Classic Vehicle Insurance Seattle Washington WA

Reader’s Question:

It’s my first time to buy a classic car through an auction bidding here in Seattle, Washington. Do they have insurance for classic cars as I don’t intend to drive it frequently, only during special occasion?

Mark

Seattle, WA

Good question, Mark of Seattle, Washington, and good of you to point out that you don’t intend to drive the classic car frequently. Classic cars are in a different category as normal vehicle insurance quotes, depending on the year, make and model of a car. Now, if you apply standard car insurance to a classic car, more or less, your policy will come out cheap. Don’t smile yet because when you are in an accident, coverage will also be very limited as your coverage is for an over-depreciated car. I’ll be straight up with you, Classic car insurance will definitely be costly as this type of vehicle insurance will assure coverage for the full value of the car in case of a loss. The value of the car will depend on your agreement between insuree and the insurer’s party.

Other things to consider though are special clauses. One of the usual requirements is that you should have a dedicated facility to lock and secure the car when not in use. You may also be allowed to use the car more or less for everyday errands like going to work or dropping the kids. Some insurer may stipulate that their policy will not include to racing-related activities. Be sure to call first your insurer should you have plans to restore your car as there also might be special clauses regarding restorations.

 

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