Arkansas Antique Car Insurance

An antique car is generally considered to be a vehicle manufactured prior to 1950 or the “war years”. After spending a lot of time and effort in perfecting your distinctive automobile, the last thing needed is finding insurance. The difficulty is that most insurance companies don't deal with antique cars very often. This leaves the consumer, in a somewhat awkward position, needing a specialty item and trying to get it from a normal source. A good understanding to have an antique car insurance needs and antique car's value should be known well.

There is less number of customers who drive an antique car as compared to everyday autos so one is in a very nice position to gain coverage at a fraction of the cost of normal insurance.

Differences between all the Arkansas Antique Car Insurance Companies

·          Under Writing Rules

·          Some have mileage restrictions

·          Some have Engine and Body Modification restrictions

·          Some do not insure kit cars

·          Some require you to insure UM/UIM, towing and glass on all Antique Cars while others only charge you once with the assumption you can only drive one car at a time.

·          Some provide Actual Cash Value up to the insured policy limit while other policies are Stated Value policies.

·          Some will insure Antique Vehicles in the process of being restored.

·          Most require cars to be garaged at all times.

·          Some require an appraisal while other will accept a bill of sale or receipts.

·          Some require minimal paper work while other requires detailed worksheets.

·          Some do not offer towing.

·          Some require a proof of current insurance and require you to insure the same coverage.

·          Some insure an entire collections while other insure each car separately

Steps to get Arkansas Antique Car Insurance

1.       Based on the type of Antique Car the documents will  be required

·          Professional Appraisal or Bill of Sale/Receipts

·          Vehicle Specification Sheet (Highlights of vehicle features)

·          Copy of Drive License (may not be required)

·          Copy Insurance Policy of daily use car

2.       Insurance Company man will come to the location to take pictures, determine the premium, Fill the application and collect a check.

3.       Insurance company studies the Application, Appraisal and required supporting documentation.

The typical car insurance company just doesn't take care of you the way you need to be. You need to use a company that specializes in Arkansas Antique Car Insurance. You need to make sure you are not overpaying when something happens to your antique car. So if you are the proud owner of an antique car then you have to take special care of it by buying Arkansas Antique Car Insurance.