Finding the Top Classic Car Auto Insurance Company

If you have a collector car then it is bets to purchase insurance from a classic car insurance company. Classic cars are a specific type of cars that tend to be at least 15 years old and have a value attached to them. Classic automobiles are special cars that as long as they are kept in good condition will increase in value as they age. Typically they are already very expensive when originally purchased as new or they may be a limited number of those models manufactured.

Each state has their own regulations that must be met to be considered a classic car. The vast majority of these guidelines and regulations are similar but there are a few unique ones found among different states. Additionally collectible car clubs may have even more regulations to meet as clubs may be looking for specific types of classic cars.

Insurance is important because collectible cars can be treated as an investment that will gain value over time. The most valuable classic cars are the ones that have the original paint job, no rust and are in excellent condition with very low mileage. Typically insurance rates are determined based on the mileage on the car and its condition.

Insurance quotes can be obtained by filling out information online via a classic car insurance company site. Almost all car insurance companies will offer classic car auto insurance as well as some specialized insurers. You have many different options that can be included in your classic car insurance package that includes emergency towing, reimbursement of personal effects, car show expenses, lockout, lost keys, and roadside assistance to name but a few.

Theft is a large issue with collector vehicles and you should have a strong theft policy as having your collector car stolen can be a huge loss in assets. For well insured cars many time the insurance company will offer a reward for the recovery of the car. Many times it is less expensive for the insurance company to pay a reward for the recovery of the car rather then pay out the actual value of the stolen classic car.

Insurance rates for collectible cars can be separated out based on mileage. Many antique cars will have quite low mileage as the collectible car is usually not a persons main form of transportation but taken out for special occasions. There is a greater danger of damaging the collectible car if it is driven frequently and this will depreciate the value of the car.

It is also possible to get specific classic car auto insurance just to cover the cost of repairs and other associated costs. This is many times based on the current value of the car and the availability of parts and a skilled mechanic that can fix your collector car. As with insuring other cars your driving history will also be factored into the insurance.

After you have received a basic quote from your classic car insurance company or companies you will need to get a more detailed one that is customized for your classic car. You should be able to customize the insurance package any way you like and if you need help you should be able to receive it from the insurance company or an outside company such as the state auto insurance.

A Top Ten List of Automotive Extended Warranty Companies

Automotive extended warranties should be a very important part of one’s budget. After the vehicle’s initial warranty expires it would be wise to extend it because unexpected breakdowns can be devastating for one’s finances. A warranty is collateral that is offered by the manufacturer or another insurance provider. This means that if the product or service fails you are entitled to have it repaired or replaced. Let’s look at some of the top providers for automotive extended warranties.

1. Mogi

Mogi is a very recent entrant into the market of insurance. With their technological advances in terms of web based protection and support, Mogi has become the convenient and reliable choice of many consumers. Mogi offers several coverage plans for new and used vehicles. Each plan is tailored to the specific needs of the customer at the lowest rates possible.

2. Warranty Direct

Warranty Direct is very popular due to its wide array of coverage plans at reasonable prices. With more of a track record than Mogi, Warranty Direct has been in the business for 30 years. In terms of reliability you will find no better automotive extended warranty among the other companies. Warranty Direct is one of the largest warranty companies in North America making it very appealing to buyers looking for a safe and reliable purchase.

3. CARCHEX

Another well-known name; CARCHEX provides several automotive extended warranties. Plans for new and used vehicles add to the diversity of this company.

4. Stop Repair Bills

Stop Repair Bills will cover almost any vehicle. Most of their customers have vehicles over 12 years old. This company’s boldness has earned it a household name for good reason.

5. U.S. Fidelis

U.S. Fidelis is one of the largest automotive extended warranty companies in the United States. U.S. Fidelis offers many economic plans for new vehicles. This provider is a wise choice for those looking for an established company.

6. U.S. Direct

U.S. Direct is another exclusive provider in the United States. This automotive extended warranty company boasts a solid track record and excellent customer service.

7. Fidelity Automotive

Fidelity provides extended warranties to both new and used cars. To go along with their coverage, Fidelity also offers excellent customer service with roadside assistance and repair.

8. Auto Protection

Auto Protection is smaller than the other providers; to compensate for this Auto Protection offers excellent customer service and makes their policies very clear.

9. Endurance Protection

Another small automotive extended warranty provider; Endurance Protection offers several incentives such as instant savings and roadside assistance.

10. Auto Service Warranty

Auto Service Warranty provides used and new automobile coverage. Automotive extended warranties are provided at very economical pricing.