If you’ve got a muscle car, only you know just how much love and work went into restoring, repairing, and tricking out your muscle car. Finally, it’s completely restored, and now you need to insure it. However, the muscle car insurance you buy has to reflect your car’s true value, not its depreciated value. That’s where auto insurance for muscle cars comes in.
Like other specialty cars, muscle cars link us to the past and those sweet memories of the first date, the big road trip with Dad or cruisin’ the drag. They’re a moment in time put together piece by piece with loving devotion to detail. These cars require specialty policies instead of traditional auto insurance policies.
A reconditioned muscle car doesn’t have a “blue book” value. Instead, enthusiasts know what these cars are worth because they are experts at collecting. So don’t let your insurance agent or company estimate your car’s value. Instead, do your own homework before you begin to look for insurance.
Your best bet is to find a specialty car appraiser and get a written appraisal of what the true value of the car is before you try to get insurance. This will help prove the car’s value before you insure it. Send a copy of the appraisal of the insurance company’s underwriters so that you can negotiate a fair amount of coverage for the muscle car.
Take plenty of photos. If you incur damage to your vehicle, you want to prove the quality of the parts, motor, exterior and interior. Pictures speak 1000 words when it comes to insurance and proof of value.
Take pictures of the building the car is stored in, too. Making sure the car is protected when it comes to the elements or from theft will also help ensure that the insurance company will give you the best rates on muscle car insurance.
How much time do you spend driving your muscle car? Some muscle car insurance policies and classic car policies will give you protection if you are showing the car or at a parade, but will only give you limited general driving coverage. And because of course you’re probably going to want to drive your prize, find a policy that will let you do this at least occasionally.
Check out specialty insurance companies and get online quotes for your muscle car. The more places you look for competitive quotes, the more likely you’ll be to find the best rates. Insurance on specialty cars is expensive and worth every penny, but if you can find better coverage at a lower price, it leaves more money to buy a few extra touches for your car and maybe a poodle skirt for the woman in your life.
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