According to your Elmer, NJ insurance provider, not all old cars are classics, and not all classics are old cars. Certain newer cars, if they are particularly high-performance, may be classified as classics. But in either event, it’s ultimately up to you whether you want to insure your car as a classic or under a standard policy.
The big question to consider: How often do you drive your classic?
One of the first things your insurer is going to want to know is whether you have access to another car for day-to-day use. You can save some money with classic car policy, but with the understanding that you are not going to be driving this car every day. If you’re driving an exceptionally rare or valuable vehicle, you, and your insurer, are going to want to reduce your risk by keeping your car off the road most days. Classic car owners tend to be safer drivers, statistically speaking, but there are exceptions, and that’s what your insurer is on the lookout for.
If you have a classic Mustang or Charger that you take out on weekends and maybe to the occasional car meetup, there’s no reason not to insure it under a classic car policy. But if you use it as your regular car, you’re better off going with a standard policy to ensure that you have adequate protection on your vehicle.
If you’re still shopping around for classic car insurance in Elmer, NJ, get in touch with us at Sloan Insurance Agency. At Sloan Insurance Agency, we’ll compare several quotes for you from various insurance providers to ensure that you’re getting a good deal on an excellent classic car insurance policy.