Classic Car Care 101

A classic car is a beautiful way to capture a moment in history. Turn back the hands of time for your one-of-a-kind ride with the right classic car care regimen. Proper exterior maintenance adds years of enjoyment to your classic car or truck. Some classic car owners pay a professional to wash their invaluable ride. Others prefer the pleasure of cleaning their classic cars themselves. When you wash your own classic car, you become intimately familiar with every inch of your investment. Either way, keeping your vehicle well-maintained ensures your classic will be in top shape for years to come.Use the right tools to wash your classic car. A classic car wash starts with plenty of water, a 5 gallon bucket and the proper cleaning products. Use a paint-safe microfiber or cotton washing mitt with car wash specially designed for classic cars. Choose a non-detergent, pH balanced car wash formula so you don't strip off the wax. A gentle car wash is safe enough to use on all painted surfaces along with plastic, rubber and vinyl components.Always dry your classic car. If you don't dry your classic car, water spots form and cause mineral deposits to form on the paint. Use a paint safe drying towel, sheepskin chamois or cotton detailing cloths to dry your car's surface for a smooth, flawless finish.Inspect your classic car for stubborn grime. Often stubborn grime such as tree sap, bird droppings or bug residue remains after you wash the car. Use detailing clay to pull the grime off the surface of your car without scratching the paint. A lubricating spray is used to protect the paint, then the clay is applied to get rid of the grit. Special solvents are also used to get rid of stubborn contaminants.Assess the condition of your paint. If your car's surface still looks dull, you may need to get rid of old oxidized paint. Three ways to revamp your car's paint are car cleaner, polish or rubbing compound. Polish is the first step as it removes the smallest amount of paint. Discuss using a cleaner or rubbing compound with a professional before trying it yourself.Get your shine on with wax. Besides making your classic car shiny, classic car polish also protects the vehicle's paint. Carnauba wax gives you a rich shine that lasts up to three months. Paint sealants are not quite as shiny but the protection lasts for up to six months.

Book Values For Classic Cars

Do you possess a vintage car? Do you have classic cars hanging around in your garage? If you do, then this article is for you. Always remember that, you need to know how much the value of your car is. You might need to sell or trade your car in months time. The best thing to do is to do an appraisal for your classic car. Book values for classic cars differ and there are things to consider such as the car maker, years, condition of the car and the engine.Book values for classic cars indeed differ according to the ones I indicated in my previous statement. The pricing of a classic car would vary on the kind of classic car you own like if its a collectible car, a special interest car, an exotic car, a classic truck or van or SUV, a muscle car, a sports car, a luxury car or a classic passenger car. As they say, the older the classic car, the higher the book value is. It actually depends on the customer who would want to buy it. For sure, you would want to choose a car that would fit your taste and style.One thing that will also determine a classic cars book value is its body style or car MAKE. Depending on which body style you want, car make is very important consideration.The car makes add up to Book values for classic cars. There's a lot or car makes to mention, from the most famous car brands to the most affordable ones.To name a few, we have Alfa Romeo, Arnolt-Bristol, BMW, Avanti, Auburn, Cadillac, Capri, Chevrolet, Chrysler, Cord, Hummer, Jaguar, Griffith, Fiat, Ferrari, Ford, Lamborghini, Lincoln, Mazda, Mercedes-Benz, Mitsubishi, Shelby Automobiles, Schwarz, Honda, Kurtis, Davis, Prowler, Oakland, Volvo, Viper or also called Dodge, Volkswagen, Porsche, Tucker, Triumph, Nash, Nissan and a lot more. I bet you already have a car type in mind with all these information I gave you. The more famous car make is, the higher the book value will be.Granting that you already have chosen a body style and a car make, the year the classic car is made is also one of the most important considerations in appraising Book values for classic cars. You may want to make an intensive research over the internet or by word of mouth from friends who may have acquaintances with someone who owns a classic car. It is but obvious that the older your car is the higher the book value becomes. Say, you have a 1947 Ferrari sports car. Definitely, this car is worth a fortune! Each car brand has its earliest year of manufacture. Like antiques, the longer you keep it, make sure its still working, the higher the book value will become. Another vital detail you shouldn't miss in appraising the book value of your classic car whether you are the buyer or the seller is its model and trim, like if your Ferrari is a 2 door Spider Allemano or a 2 door spider corsa. Another is you need to search for options and determine its used values.All these need to be in mind in deciding Book values for classic cars. One you have all these cards in place, it would be easier for you to assess or appraise its book value. Whether you may want to buy one or you already possess one, knowing how much fortune you will earn or you already possess gives a feeling of awe and feel-good for your own self.

Getting the Best Classic Car Insurance and Classic Motor Cycle Insurance Deals

Some of us consider our cars and motorcycles as something more than a medium of transport. We collect classic cars and keep it as a collectible item. Classic cars draw the attention of everyone; it fascinates even those who do not actively engage in collecting or owning classic cars or classic motorcycles. It attracts the attention of some undesirable elements in the society too. Even though most of us consider our classic cars and classic motor cycles as collectible items, we need to protect ourselves from the risk of loss. The classic cars and classic motorcycles that we own are of high value; we cannot afford to leave such assets without a proper insurance cover and oversight in this area can be an expensive mistake.One of the problems with classic car or motorcycle insurances is that most of the insurance companies do not like to consider them as a collectible item to stay clear. They try to value them as an old car or motorcycle. Such a cover will do no good to us; we need a good classic car insurance or classic motorcycle insurance that will value our assets for what they are worth. This can put classic car owners under great anxiety because they would have invested a lot of money in their classic cars and motorcycles.However, there are some companies that specialize in classic car insurance and classic motorcycle insurance. By approaching the right insurance company, we will be able to get the best insurance cover at the best price possible. As you can easily guess, insuring your classic car or classic motorcycle is not going to be as simple as insuring your regular car or motorcycle. Evaluation of the car is the trickiest part and your insurance premium will be based on the evaluation. You would certainly not want to reduce the premium by reducing the value of your car. Though it would bring in a considerable amount of savings, it would put you in a highly disadvantageous position in times of some mishap. Moreover, when your car or motor cycle has a high insurance value, it will be of great advantage to you when you plan to sell your classic car or classic motor cycle.Do not settle with the first insurance company that you come across; make sure to visit as many classic car insurance and classic motorcycle insurance companies as possible to get your quote. Each company will have a different approach towards classic car insurance or classic motorcycle insurance. Therefore, before making your decision make sure to understand how each company's policy works and how the premiums are calculated. You must also make sure to read the fine print so that you are not in-for-surprises at a later stage. Finalize your deal only when you are fully satisfied with the pre-agreed cover value for your car. Visit Footmanjames.co.uk to get the best deals on classic car insurance and classic motorcycle insurance deals.

Classic Car Insurance - Make a Wise Choice For Your Classic Car!

Classic car insurance is important for classic car owners because this type of cars need more attention from the owners compared to regular types of cars. Most of the time, if classic cars are being maintained well by its owners, they can fetch a high price in the market due to their rarity and therefore, their owners have a tendency to make claims even though the damage on the cars are probably just minor ones. Regular car insurance might not be able to protect classic cars to such extend, and therefore there is a need for classic car owners to purchase classic car insurance to protect the cars to the maximum.There are some special requirements that you need to fulfill before you can purchase classic car insurance for your car. First of all, you need to have a good driving record with at least ten years experience. Usually, teen drivers or drivers with very poor driving record are not allowed to hold a classic car insurance policy. This is because classic cars aren't the safest cars around and the inexperienced and reckless drivers might not be able to handle the valuable cars with sufficient responsibility.Next, you should also have proof that you have another car for your daily transportation. Most of the time, there will be a limit for your classic car's mileage if you are planning to insure it under classic car insurance. You cannot drive the car very often with the limited mileage. Therefore, you need to have another mode of transportation for your daily commuting before you can take up classic car insurance.Your car also needs to reach a certain age before it can be classified as a classic car. If it is not old enough, it usually cannot qualify for the insurance. You need to check with your insurance company to determine the age of your car required to get into classic car insurance policy.Next, you should also get to know the value of your policy. There are three types of value, which are actual cash value, stated value and agreed value. Actual cash value is what you usually get from regular car insurance which is the cost of the car minus depreciation. Stated value is a stated value of the car which the company would pay up to, but may not guarantee to pay the full stated value. The deductible up to $1000 usually applies in this type of valuation. Agreed value is a value agreed upon by you and your insurance company. For this valuation, there is no deductible most of the time.Purchasing the right classic car insurance for your car is very important so that it can get sufficient protection from the policy in any cases that it got damaged or stolen.

How to Find the Best Auto Insurance For a Classic Car - Tips For Finding Cheap Antique Car Insurance

How can one find the best auto insurance for a classic car? Is it even possible to find cheap antique car insurance? Classics cars can be well worth the sometimes pricey cost of upkeep and storage - there is no need to have to pay more for insurance coverage than necessary. Read on to learn some of the things that you should know before you purchase a classic car auto insurance policy.Who hasn't turned their head while driving down the road to get a better look at a classic or collectible car? We're enamored with the lines of the car as well as its pristine condition. But the detailed attention in maintaining a classic car's flawless appearance and operation is not only to draw admiring looks, it is also necessary in order to keep up the market value of the car. For this reason, along with others, specialized classic auto insurance policies were developed to meet the needs of classic and collectible car owners.Another reason (a very important reason), for insuring your vehicle as a classic or collectible is the greatly reduced cost of classic car insurance relative to standard auto insurance. Standard auto insurance can cost as much as 200%-300% more than classic auto insurance. So, what is the biggest factor that causes such a great disparity in price between classic auto insurance and standard car insurance? Generally, collector vehicles are driven on a limited basis (the garage is where they are usually found). As a result, the risk of accident and loss to collector vehicles is considerably lower than the risk involved in vehicles that are regularly driven.DOES YOUR VEHICLE QUALIFY?The following is a list of classifications for collectible cars.Antique cars - 25 years or older
Custom cars - 1949 to present
Classic cars - 20-24 years old
Collectible cars - 15-19 years old
Exotic cars - less than 15
Street rods - Pre-1949This is the standard listing for those cars that are considered eligible for classic car auto insurance, but certain cars may be accepted at the discretion of the insurer. Sometimes, classic car insurers will customize an insurance policy for a particular vehicle.WHAT ARE THE RESTRICTIONS ASSOCIATED WITH COLLECTOR VEHICLE INSURANCE?To keep collector auto insurance rates low, certain usage limitations are placed on the insured vehicle.Cannot be used for everyday use. This rules out using it to drive to work, run errands, or go out for that bite to eat. Under a classic car insurance policy, car usage should be limited to driving to and from car shows and the occasional parade.Cannot be driven more than 2,500 miles per year. 2,500 is a fairly standard number among insurance companies that offer classic coverage, but there are some insurance companies that have mileage plans that allow up to 5,000 or 6,000 miles per year. This increased mileage limit was put in place to accommodate those drivers who like to take their cars to distant car shows. Of course the premiums are greater.Must be kept in a locked garage. A locked enclosed trailer will also do, but a carport will not meet the grade even if you live in a gated community with a security guard. (The weather is also an enemy of the classic car). Some policies might stipulate that a car cannot be left unattended in a parking lot. This means leaving your car in a motel or hotel parking lot might present a problem.WHAT CONSIDERATIONS SHOULD BE KEPT IN MIND WHEN CHOOSING CLASSIC AUTO INSURANCE?Does the company offer Agreed Value Coverage or Stated Value Coverage?Agreed value lets the classic car owner and the insurance agent set a value for the auto that does not necessarily reflect the market value for that car. Usually, the insurance agent will have to do a thorough inspection of the car both inside and out and will require photos of the vehicle.What are the usage and mileage restrictions?Find the policy that best suits your plans for using the car. Why pay for a plan that covers mileage for 5,000 when you know that you won't even come close to using the 2,000 miles available in a cheaper policy.Can you choose your own repair shop?The Mom and Pop shop down the road might do a good job on your regular car and offer the lowest repair bid in town, but do you really want them working on your classic "baby"?What company underwrites the policy and what is the rating for that company? You want to be sure that the underwriter has a good track record and is going to be able to fulfill all of their obligations even if for some reason there is a larger than normal influx of insurance claims.Are there any discount programs available?A good insurance company should always inform you of any discounts that are available to you, but it doesn't hurt to ask.Does your insurance offer insurance for classic or modified cars that are under construction?Some companies will monitor the progress that is being made on your vehicle while it is in the garage for repairs and modifications and allow you to adjust the value of the car as the project continues. Also, this type of insurance covers damages to your auto in case of a catastrophic occurrence such as a fire, or the hydraulic lift fails, or the tool cart falls on your car (with a little imagination the possibilities are endless.)WHY CAN'T I JUST ADD MY COLLECTOR CAR TO THE FAMILY AUTO INSURANCE POLICY? You can, but it could be a costly mistake. If repairs are needed you may be forced to accept the lowest repair bid, or if the car is badly damaged, the insurance company could opt to have it totaled. And although a discount is usually given for cars combined under one policy, that discount still may not provide the savings available if the car was insured under a classic auto insurance policy.Finally, make sure your insurance company has a good understanding of classic cars. In the event that your car is totaled, you want to be able to work with a knowledgeable representative and receive the full value for your car.COMPARE CHEAP CLASSIC CAR AUTO INSURANCE QUOTES ONLINEBe sure that you shop around and compare car insurance rates from multiple companies before you decide to purchase. The more you shop the more you may save.

How to Find Cheap Classic Car Insurance Rates Online

There are a number of things that you can do to find cheap classic car insurance rates. Let's say that you have a 1950's car that you are planning to drive around at least a little bit throughout the year, but you don't know if you should insure it or not. If the prices for repairs on normal everyday cars can sometimes be expensive and auto insurance companies base part of their premiums on replacement or repair cost will that signify a more expensive policy for classic cars?If I'm only planning to drive less than a thousand miles a year why would I need to insure the car? Those are just a few of the questions that classic car owners deal with when time comes for them to get automobile insurance. Some people don't know that there is a difference in insurances from the everyday automobile and the old vintage classic cars; however there is a big difference in the way the policy is set up and most importantly the price!The first thing you will need to do when trying to get cheap classic car automobile insurance will be to identify the insurance companies in your local area that provide classic car coverage. This is important because if you just go to any insurance company they will provide you with a quote from a standard automobile insurance, which more than likely will be more expensive. If on the other hand you find a company that provides classic car coverage then you will be getting the best and more accurate rate. Most classic insurance company simply put a price on the car which equals to the vehicle's current value minus depreciation. This means that the more you use the car, the lower your price will get.Most insurance carriers for these classic automobiles will not give you the chance to get a deductible for collision and comprehensive coverage. If this is the case then there is nothing you can do to the coverage you reduce your rate. However, there are auto insurance companies out there that will allow you to select how much in deductible you want, that's why it is important to always shop around.If you find one of these companies, have them quote you with a higher deductible. The reason behind this is that most classic car owners usually have another vehicle that they rely on for transportation, so a higher deductible in case of an accident will not be that bad. If you don't drive your car that much the probability of an accident will decrease and thus you will be saving money for having raised a deductible that perhaps you will never have to pay. It is important to note however, that you must only raise the deductible if you can afford it.Another great thing about classic automobile insurance that will allow you to save some money is the flexible coverage that some companies allow. Unlike standard policies where you can only get discounts if you are a low mileage driver, here you can create the policy according to your needs. Most classic car owners only drive their cars up to one thousand miles a year because they are very picky about the conditions and to prevent the regular tear on the car. For these people the classic car automobile insurance policy will be much cheaper than for the ones that drive frequently. Those people that drive "frequently" are usually the people that put a little bit over 5,000 miles on their classic car each year (those mileage numbers would allow a person to qualify for a low mileage discount without a single problem) which is nothing. These people will have to pay a little bit more simply because they are on the roads a little bit more than the others, which brings a higher risk of accidents.Another big thing that can drive the cost of your classic car insurance policy downwards would be the safety of your car. Because you don't see many classic cars on the road, these types of vehicles aren't necessarily the ones that have a high degree of theft. Regardless of that statistic, insurance companies award you with a lower rate if you protect your car from theft. Make sure you keep your classic vehicle in a garage away from the public. If you do park it outside for some reason make sure that you have an alarm and a wheel lock will be a great idea if you plan to leave the vehicle unattended.Classic car insurance policies are not expensive at all and in some instances you can even add these policies to your normal standard policy. The less you drive, the less your policy will cost. Make sure you show the insurance company that you are a preventive driver that always thinks safety first and they will for sure reward you. So go out and shop around to make sure that you get the best deal! And never attempt to insure a classic car under a standard policy because if an agent allows you to do that you will be paying twice or even three times the value of what a classic car insurance policy would be!

Classic Cars - Elegant, Stylish, And Oh So Sweeeet

Classic cars are one of the most collected and coveted items in the market today. And they should be: vintage automobiles are not only great pieces of art; they could also be fully functional. Road-driven classic vehicles may even be more scene-stealing than brand-spanking-new sports cars. If you have already seen a fully restored and shiny Shelby GT-350H or a 60's Thunderbird on the road, you probably know what I'm talking about.What is a Classic, Anyway?The definition of what is a classic car is often contested. The Classic Car Club of America indicates that the last year for the 'authentic' classics is 1948. Still, other experts maintain that the term classic is applicable to all cars that are 12-years old or older.Some would even create a classification. A popular one is as follows: 'antique' for automobiles manufactured from the very beginning of car production up to 1916; 'vintage' for vehicles manufactured from 1916 to 1924; and 'classic' for those made in 1924 up to the not-so-far past.I would not take a stand as to what the proper definition of a classic car is. Let's leave that to car philosophers and historians (or for a more proper term, car geeks). There are many more exciting aspects about collecting classic cars that you should know.Classic Cars Define Generations and Genres
If you are a fan of James Bond films, you might have been awed by the luxurious and sexy cars that Mr. Double-Oh-Seven has driven. From sleek Alfa Romeos to classy Aston Martins, the spy we all loved wouldn't be what he was without these cars.And if you have eagerly followed Mr. Bond's pursuits, you can see that the cars he used are those that defined a certain era. You can see him use big cars with round edges during the 60's, long, pointed-edged cars during the 70's, and of course, macho black sports cars during our present day.What made those cars cool wasn't because they are simply made 'cool.' It is because they carry with them great stories and pieces of history. That is also the reason why it is thrilling and fulfilling to own a classic car. And the feeling of fulfillment multiplies tenfold if you collect these cars. Wouldn't it be sweet to ride in wheels that a popular spy once drove?Owning a Classic is No Picnic
But before you head off and click your fingers away to the first site that offers classic cars for sale, be sure to know that with a great car comes great responsibility. Almost all of these classic cars are already used (and sometimes abused). It would be almost impossible to find one in a perfectly mint condition. What you will probably see are second-hand (and possibly even third- or fourth-hand) vehicles that may need a lot of work.Keep in mind that owning or collecting classic cars does not stop at buying them. It is a must to invest some time and money in restoring a car back to its vintage beauty. Otherwise, it will just be another piece of junk lying in your garage.Thus, you need to be prepared to submit that vehicle to a paint job, a car parts installation (seats, carpets, steering wheel, suspension...), and if you want to drive around, a good engine. And it won't stop there: classic cars need a lot of loving and care. You need to maintain its elegance by cleaning, waxing, and polishing it regularly.It might be a little bit troublesome, but the rewards are great. Aside from having one great scene-stealer, a well-maintained classic car increases its value as time goes by. So once you are tired of riding that vintage Benz, you can sell it and gain profit. You won't have a hard time looking for buyers too, since there are tons of car collectors looking for a great deal.There's a Classic Car Lover in All of Us
If you are a car lover, a sentimental generation and genre fan, or simply one who would like a cool ride, buying classic cars is your best choice. Not only do you get a moving, breathing, and funky piece of art, you also get a really valuable property. Buying, restoring, and maintaining a vintage car may be a daunting task, but it sure is worth it.

Classic Cars For Sale

Building, restoring and or looking for Classic Cars for Sale, Classic Muscle Cars for Sale, and Classic Cars and Trucks for Sale has be come a tremendous hobby for the baby boomers. They seem not to be able to get enough of those big shiny and in many cases very fast cars of the 50s, 60s and early 70s. Yes American muscle cars of the 60s and the big boats of the 50s are the most popular at car shows and Classic Car Auctions. The Classic Cars for Sale at these Classic Car Auctions number in the hundreds and seem to be growing in numbers every year. These cars are no longer in production but have not lost their value or their appeal. In fact the Classic Old Cars for Sale in today's market can cost as much as 100 times what they sold for new. I think one could replace a stop sign at many intersections with the words Classic Cars for Sale and get a better response rate. If the Classic Cars for Sale, Classic Muscle Cars for Sale, is any indication the Classic Cars for Sale fever is alive and well in America. It is a major television event in the month of January every year one any Classic Car buff would not want to miss.The amount of Classic Cars for Sale there number in the thousands and not all are expensive or over priced many are very affordable for the average person. The events and the Vender's are also very extraordinary to see, every thing from road side memorabilia such as old signs and old fashion gas pumps, to 900%2Bhp Vipers and big block V8 powered motorcycles. So if you can make it to Scottsdale Arizona next January for the fantastic Barrett Jackson Classic Car Auction you won't be disappointed. The whole week of the Barrett Jackson Classic Car Auction is a great experience for anyone that grew up in the 50s or 60s it's very nostalgic just to be there.This year at Barrett Jackson there was a great show put on by event controllers and that was an exhibition of Drifting. In case you don't know what that is it is basically when a Driver or Drivers as in this case place their cars in a some what controlled slide. It was amazing to watch these two Ford Mustangs Gets race side by side around just a few feet apart sending up a cloud so smoke from the tires and never collide. The crowd really loved it especially the children in the stands they were on their feet the whole time trying not to miss the action. This was the first time I had seen drifting done live it was really enjoyable.One more thing I have to mention was the side by side drag racing on a stage. This was accomplished by chaining two Ford Mustangs to portable dyno machines with huge three foot tachometers and speedometers for the crowd to watch. Then two driver's names are drawn from several hundred names of the drag racing hopefuls and the race is on. Each driver is given instructions on what he is allowed to do then the starting lights flash down and away they go. The cars hit second gear the tires chirp and the speedometers climb. The event is held every hour and is exciting to watch as the crowd cheers on their favorite driver. In all of the races that I witnessed the speeds reached well over 100mph in the Quarter mile that each car was driven on the imaginary track Barrett Jackson you really know how to throw a party.So before you go running off to the nearest Classic Car for Sale auction to pluck your hard earned money on your favorite Classic Car, here are a few things to remember. First remember UN-restored Classic Cars are cheaper but you have to be ready to spend a lot of time and or money to restore the car to 100% original condition. Second those parts can be hard to find, thank heaven for eBay, although there a great number of company's that have started making new parts that look and work just like the original ones. You can sometimes find Classic Car Parts at some of your local junkyards but the chance for finding a rare Classic Old Car or undiscovered Muscle Car for Sale are very slim. Some of these automobile Bone yards may have few vintage cars but they will be the four door models and will have small block V8's or six cylinder motors in them and not desirable collectibles. The third thing that I highly recommend is when you go to view any Classic Car for Sale that you have available some way of checking engine numbers and VIN numbers. Because every Classic Car collector knows that the right engine numbers with the right VIN numbers are a must. If you have ever had Classic Car for Sale you know the first words out of your mouth are DO THE NUMBERS MATCH.

Classic Car Insurance FAQs

To own a classic car is a good feeling for many, as it exemplifies glamour, grandeur and class. However, this luxury does come at an exorbitant price and calls for ways to recoup its worth incase of a possible damage. This creates the need for insuring classic cars in the event of damage. Before approaching an insurance company it is advisable to get all queries regarding the insurance procedures answered. The queries can pertain to many different issues and classic car insurance FAQ?s are useful in this regard.The first and foremost query on classic car insurance is with reference to the definition of a classic car by an insurance company. Insurance companies typically use three categories for the identification of old cars namely, the cars manufactured before 1903 called veteran cars, those made between 1903 and 1933 referred to as vintage cars, and finally those made after 1973 or the ones which are at least fifteen years old, which are called classic cars.Owners of classic cars are not usually offered good terms by a regular insurance company. Therefore, people intending to buy classic cars ask questions about the companies that specialize in classic car insurance so as to get better coverage at a minimal charge. The other important question relates to the kind of policy most appropriate with respect to a classic car.Insurers guarantee value of classic cars incase of damage or theft. It?s advisable to ask questions about the valuation of a classic car and also any additional fee charged by insurers based on the assessment of value. Most insurance companies limit the number of miles on a classic car, per year. It is advisable to ask for the number of miles covered by an insurance policy.The most frequently asked question with respect to coverage is about how to get the best insurance coverage for a classic car and also if the coverage provided under the policy would be adequate. FAQ?s on classic car insurance also provide answers to questions such as coverage when the car is not driven, garaging requirements and driving restrictions.Classic cars being unique and extraordinary require specially designed car insurance packages that protect them in the event of damage.

Unrestored Classic Car Insurance

Classic cars are greatly valued and treasured for their unique charm and are commonly used in car rallies and special events. For purposes of insurance, most insurance companies view restored and unrestored classic cars distinctly. The restored classic cars are those, which are remodeled and given a new look while the unrestored ones are retained in their original form. The latter are maintained in the original factory form and nothing is replaced or changed. When unrestored classic cars are in running condition, they can be covered by insurance. There are many insurance companies in the US that provide insurance coverage to such unrestored classic cars if the owner is in possession of the original invoice and the certificate of the title. If the owner has pictures of the unrestored classic car taken over the years, the chances of it getting insured become better. The coverage amount in such cases can be retained during renewal or increased in value. Generally the coverage amount for unrestored classic cars is increased, subject to the location of the car. This is done because the owner enjoys appreciated value on such cars.Unrestored classic cars are considered as a good investment and therefore, the owners of such cars can end up getting more than the claim amount. The insurance policy for such cars allows the insured party the option to retain salvage. Windscreen and window cover is provided apart from the comprehensive recovery service in case of the full breakdown of the car.The insurance policy for unrestored classic cars usually includes mileage option of 1500/3000/5000/7500.They also provide rally cover as these unrestored cars participate in rallies. Since the unrestored classic cars are sometimes used in weddings, the insurance policy also covers wedding hire by day or year.Under the unrestored classic car insurance policy, provision is also made for different kind of discounts on the premium amount to be paid. However, these discounts are limited to experienced drivers, members of recognized classic automobile clubs or institute of advanced motorists.Unrestored classic car insurance aims at retaining the value of old cars by keeping them protected against possible potential damage and loss.

Classic Car Insurance FAQs

Many people own classic cars as a hobby and take pleasure in maintaining and looking after them. However, there are chances that the car might get damaged either while on road or even when housed in the garage. This is where a special type of insurance called classic car insurance for the classic car owner. It is very important to choose the best classic car insurance that is available. There are many questions that a classic car owner has in mind while purchasing a classic car insurance policy. Classic car insurance Frequently Asked Questions (FAQs) are about, when a classic car is not driven, coverage when left unattended, garaging requirements and driving restrictions.The major difference between classic car insurance and regular car insurance is of the value paid for the in case of a total loss situation. Classic car insurance works on Agreed Value, which means compensation, is of a pre-agreed value. The regular car insurance pays the Actual Cash Value or the Standard value, which means, either the depreciated value is paid or else the payment is up to a particular amount.In case a classic car owner never drives the car on the road, the insurance offered is for the value of the car. For this, the owner needs to get the car appraised and submit it to the insurance company at the time of purchasing the policy.If the car is left unattended by the car owner, even then the insurance company usually pays the claim. However, the claim will depend on the owner fulfilling all other garaging and driving requirements.Garaging requirements make it mandatory for the owner, to store the vehicle in a completely enclosed and locked garage when the vehicle is not in use. Driving requirements include decent driving history of at least ten years. Further, the insured car must be at least fifteen years old to qualify for this program.The classic car is generally more valuable than any other vehicle, driven on the road. Therefore, is advisable to get appropriate insurance for it for the owner?s peace of mind.

How to Buy Classic Car Insurance

Collector Car Insurance and Classic Car InsuranceIf you are fortunate enough to own a classic car - or any collectible automobile - then you want to ensure that your luck does not run out because of having inadequate insurance coverage. Call it covering your butt - or covering your "asset" - but by all means, call one of the major providers such as American Collectors, Haggerty, or Parish Heacock insurance companies and let them put you in the driver's seat in terms of professional protection of your cherished automotive investment.How to Kick the Tires on Classic Car InsuranceThe whole idea of insurance is that it needs to do what you expect of it in an emergency, when the rubber really hits the road. And classic car insurance is as different from conventional auto insurance as, well, a classic car is from your run of the mill generic vehicle.When you buy a classic car insurance policy, you are essentially purchasing protection for those times when - God forbid and knock on wood it doesn't happen - disaster strikes in the form of a fire, a collision, or an act of theft or vandalism. Just as we now have modern airbags to save us in the event of a crash, we also have collector's car insurance, to protect us with adequate moneybags when calamity throws a wrench in the works.The time you invest in choosing the right classic car insurance coverage is well worth the value and peace of mind that a quality collector's insurance policy delivers for owners of classic motor cars.The Nuts and Bolts of Classic Car Insurance CoverageCollector car insurance is not the same as the insurance you buy for normal coverage of your daily transportation. Collector car insurance, or classic car insurance, is made especially for the needs of the car collector. And while ordinary insurance does offer some protection, no matter what you drive, it can leave you high and dry in the event of a loss that it not effectively covered by the terms of the insurance contract.For example, you may have a garage-kept Cadillac Sedan DeVille with swooping fins your grandparents bought for $7,000 brand new back in the 1960s. But dealers have offered you three times that much, and you saw another one sell at an auto show for $35,000. If you don't have special collector car insurance or classic car insurance, and the car is totaled, you will be lucky to get $7,000 for it. With depreciation calculated in, the insurance statisticians may decide that it is worth only half that much, or less, and you could wind up with two or three grand in exchange for your dream machine.Stipulations or requirements normally encountered while shopping for collector car insurance or classic car insurance:
A decent driving record.
At least 10 years driving experience
No teen drivers on the policy or drivers with poor driving records
Secure and out of the weather garage
Proof that you have another car for daily transportation
Collector vehicle insurance is sometimes limited by the age of your car, and if your car is too young it may not qualify for a particular policy.
Limited mileage. You probably don't want to drive your creampuff car all the time, and your insurance company doesn't want you to either. Mileage limits have increased recently, though, so if you can live with 250 miles a month you're probably okay.
Coverage with collector car insurance or classic car insurance: Three kinds of value are important to understand when buying your policy. 1) Actual cash value: This is what you usually get with ordinary insurance, and is based on replacement cost minus depreciation.2) Stated value:The insurance company pays up to the stated value of the car, but may not guarantee the full stated value. And deductibles of up to $1,000 usually apply.3) Agreed value:In most jurisdictions, those who provide collector car insurance or classic car insurance are allowed to insure for a value that you and your insurer agree upon. And for most autos, there is no deductible. If your $100,000 vintage Rolls get trashed, you get a check for 100 grand, plain and simple - which is exactly why collectors use special classic car insurance coverage.Do a periodic review of your coverage limits, because classic car prices are rising. What you insured your cherry classic for ten years ago may be a fraction of what it's worth today. And if you are restoring a vehicle, ask your agent to give you appropriate insurance. There is no need to pay extra based on mileage statistics, if your car is up on blocks with no engine inside it. And as the car's value increases thanks to your hard work of restoring it, you should raise the coverage to keep up with the added value of the restoration.Keep all your receipts and paperwork - for everything from parts and labor to expenses incurred to take it to a classic car show - so that you can document the total investment your collector's car represents. And take photos and keep them updated, for the same reason. And Last But Not Least: Special Savings OpportunitiesAs long as you meet the criteria in terms of how you use and take care of the car, you can usually buy a policy.Traditional insurers will either refuse coverage, offer only a replacement value based on the nuts and bolts (minus heavy depreciation) of the car, or will charge you a prohibitive amount for the premium. But many collectors find that special collector's coverage saves them money - as much as half - while insuring them for higher limits, sometime three or four times what a traditional company gave them.Yes, it's possible to get collector's insurance coverage for full market value for your car, and save up to 50 percent off of the premium you'd pay with ordinary insurance. That makes classic car insurance a must-have for any serious car buff.Below is information about three of the most reputable and dependable collectors and classic car insurance companies in the USA (All information listed below subject to change, please contact the insurance companies listed to be sure.):Hagerty Insurance P.O. Box 1303 Traverse City, MI 49685-1303Email: auto@hagerty.com Toll Free: 800-922-4050Qualifications:Similar to the others listed below, but please contact Haggerty for details.American Collectors Insurance P.O. Box 8343 Cherry Hill, NJ 08002 Email: info@americancollectors.com Toll Free: (800) 360-2277 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).
At least 15 years old
Garage-kept
Driven on a limited, pleasure-only basis (up to 5,000 annual miles - available in most states)
You may also qualify by:
Having at least 10 years driving experience
Having a good driving record
Having at least one "regular" vehicle for every licensed driver in the household You may request a policy application either directly from American Collectors Insurance or through your local insurance agent (rates are the same either way).
Parish Heacock Classic Car Insurance P.O. Box 24807 Lakeland, FL 33802-4807 Email: info@parishheacock.com Toll free: (800) 678-5173 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).
Each household member of driving age must have at least 10 years driving experience or be excluded.
Each household member must have a regular use vehicle less than 15 years old that is insured with liability limits equal to or higher than the limits being applied for on the collectible vehicle.
All licensed members of household and any other drivers of the vehicle must be listed on the application.
Maximum of two accidents or violations in the household, maximum of one per licensed household member in past 3 years. No major violations permitted in past 5 years.
A Driver Health Questionnaire must be completed for all drivers over 70 years old.
Auto must be stored in a locked permanent garage facility when not driven.
Auto may not be used for commuting to or from work or school, used for business purposes or as a substitute for another auto.
Autos not covered while on a racetrack or when being used for: racing, speed, driver's education, or timed events.
Must display pride of ownership: well maintained, in restored or well-preserved condition.
Vehicles under restoration must be stored at residence or a restoration shop, with a target date for completion. Agreed value coverage is not available on cars under restoration. Eligibility subject to company review.
Replica Vehicles and Pro Street vehicles are subject to company review.
Trucks and Jeeps must be over 25 years old, and not be used for towing, hauling, off-road or utility use.
Generally do not require appraisals, but may ask for one if vehicle value is difficult to determine.

Be Cautious Where You Take Your Classic Car or Muscle Car

Classic car owners, including those with muscle cars, street rods, hot rods, antiques and vintage trucks, are facing uncertain times as car thefts are on the rise, and actions from thieves are becoming more bold and brazen.I recently came across a story written by a man who owned a Daytona Blue 1963 Corvette Coupe with all matching numbers. The all-original classic sport car had an immaculate dark blue interior where only the carpet had ever been replaced. The 327 engine was said to produce a rhythmic loping that not only brought a smile to your face, but got you day dreaming of having this beauty parked in your own garage. Then disaster strikes and you're snapped out of your dream and into his nightmare!The owner of this beautiful piece of American history took his prized car to what he called a small "backwoods" show that a friend and he decided to go to in the spur of the moment. As owner Jacob Morgan, of Bakersfield, CA described, "The event was an annual but rather unofficial gathering of classic car buffs and I was thrilled to bring my car down. Unfortunately, the part of Florida that the event was being held was extremely dry due to drought. About three or four hours after arriving, a man who owned a red GTO (I could not tell you the year because frankly I did not care afterward) decided to start up his ride for the spectators. It was just one backfire but it was enough to start the dry grass ablaze--and guess where my Corvette was parked?Nearly thirty classic cars were consumed by the blaze started by that backfiring GTO and my Corvette was one of them. Of course I had the car properly insured but they just aren't making 1963 Corvettes any longer and the only one I could find that was similar cost $10,000 more than my policy's payoff. I guess if there is a moral to my sad tale, it is to avoid backwoods car shows at all costs because they are unregulated, disorganized, and very dangerous to classic cars like my beloved 1963 Corvette Coupe."This may not be your traditional way of losing your prized classic car, muscle car, street rod, antique car, vintage truck or other collectible old vehicle, but it does drive home the point that we need to exercise care in even the most innocent surroundings like a car show! Freak accidents like Mr. Morgan experienced can and do account for many losses to enthusiasts - not just theft or vandalism.Sadly though, theft isn't a rare thing and the methods are becoming more bizarre. Guy Algar and I have had pieces stolen off one of our own vehicles that we were towing back to our shop while we stopped for a quick bite to eat! We've had a good number of hubcaps taken over the years. And, we actually had the brake lights ripped off of our car hauler while we were in a parts store one day picking up parts for a customer! We've had one customer tell us the story where he had taken his wife out to dinner and had carefully parked his 1969 Corvette at a local restaurant, under a big bright light, and in what appeared to be a "safe" area, only to come out 45 minutes to an hour later to find all his emblems and trim taken right off the car! Thieves have been known to take the entire car hauler (with the classic sitting on top) right off the tow vehicle's hitch ball and transfer the hauler to their own tow vehicle when people are on the road, at a car show, or some other type of event. These are bold moves by people who do not fear the consequences.Other thefts that have been reported around the country have included:

Dr. Phil just had his '57 Chevy Belair convertible stolen from the Burbank repair shop he had brought it to for repairs.

A 1937 Buick, valued at over $100,000 was taken from a gated community parking garage in Fort Worth, Texas.

Tom of New Mexico reported the theft of two of his collector cars to Hemming. Tom owns about half a dozen collector cars altogether, and to store them all, he rented out a storage unit. Unfortunately, when he went to check on them recently, for the first time in about six months, he found that two were missing - a 1957 two-door Chevrolet Belair and a 1967 Mercury Cougar GT.

There was also a report of a man from Jefferson City, Missouri, who actually recovered his own stolen car, a 1969 Chevrolet Camaro that had been stolen 16 years before, after seeing it in a Google search!

In a Los Angeles suburb, a woman came home to a garage empty of her prized 1957 Chevy Bel-Air which had been valued at more than $150,000. The beautiful convertible had been featured in several magazines and TV shows and won dozens of awards at car shows around the country. A neighbor's surveillance camera caught the actions of the thieves and revealed that the Bel-Air was pushed down the street by a pickup truck which had pulled into her driveway just minutes after she had left. The thieves likely loaded it onto an awaiting trailer. It's thought that the thieves spotting the car at one of the car shows, followed it home afterwards, then waited for the opportunity to steal it.

A Seattle collector was the victim of a targeted "smash-and grab" from the warehouse where he kept his cars. The thieves apparently ransacked the building and drove off with a 396/425 four-speed 1965 Corvette Stingray; and a 20,000-mile 396/four-speed 1970 Chevelle SS.

A 1959 Chevrolet Impala was stolen during a Cruise Night. The owner got good news-bad news when the police tracked down because while they did recover the classic car, he had put in a claim for the theft with his insurance policy after the theft many months before, so the car went to the insurance company rather than being returned to him. Apparently detectives recovered the Impala from a chop shop nearly eight months after it was stolen, repainted and modified.

Hemmings News also reported of a reader whose 1970 Ford Maverick was stolen from his home in Missouri. The car was found and returned, but the investigation apparently revealed that the thief had been watching the owner for 2 years, with the intention of stealing it and using it to race with. Chilling thing to find out.

A 1979 Buick Electra 225 Limited Edition was stolen out of a grocery store parking lot in suburban Detroit with the thief escaping with an urn inside the trunk that contained the remains of the owner's stepfather!

After saving for over 40 years, a man from Virginia bought the car of his dreams, a 1962 Dodge Lancer. Buying his dream car, he began his restoration project, which was about 60 percent complete when he relocated to Texas. Without a garage to keep it in after his move, he stored it in a 24-foot enclosed trailer along with a 1971 Dodge Colt he planned to turn into a race car, and kept the trailer parked at a storage lot. At the end of July, the trailer and everything in it disappeared.The last story actually has a happy ending because it was recovered due to alert shop owners being suspicious of person wanting to unload a Lancer for only $1,500 including the many boxes of parts. After some research, the owner was reunited with his car. Guy and I have been approached on numerous occasions by people wanting to sell their vehicles. Some have hardship stories and the callers are willing to unload the car for a real bargain. We've always walked from these offers, primarily because we're not in the business of buying and selling cars (we're not dealers or re-sellers), but also because we're cautious of a "too-good-to-be-true" price. One call in particular did make us very suspicious, as the woman caller insisted that the sale had to be completed by Monday (she called our shop over the weekend) and the price was extremely low for a rather rare model Mustang. Alert shop owners can be instrumental in aiding in the recovery of stolen classic cars.But not all stories have a happy ending like this. Classic cars, muscle cars and antiques can make their way to chop shops, end up damaged and abandoned, and even being re-sold on Internet sites such as eBay and Craigslist!Just yesterday, I reported on a 1954 Chevy Pickup truck which was stolen from a woman's driveway in Oklahoma City. (Ironically this article was already written and scheduled for release today when the news hit. I've added her case because, unfortunately, it emphasizes how common thefts have become.) She wisely reached out to the Hemmings community of enthusiasts for help. Hemmings.com has a huge following, referred to as "Hemmings Nation", and appealing for help to a community of enthusiasts like this can be instrumental in helping to give vital information to police and authorities who can help track and recover a stolen classic car. We applaud the work that Hemmings does.And, the methods that thieves are using, as you can see, are as varied as the types of vehicles! Even seemingly innocent little car shows and gatherings are places you need to exercise a little caution and care. As I reported in a July article, carjackings involving classic cars are even becoming more commonplace.Surprisingly, in some cases, the Internet has been helpful in aiding in the recovery of classic cars and muscle cars. There have been numerous stories, much like the Camaro owner above, and a man who found his 1949 Ford through a listing on Craigslist (the two men responsible were arrested and charged with disassembling a vehicle after the owner positively identified it as his) where owners have been able to locate their cars in Internet searches.For those not so fortunate, insurance is the only consolation. We highly recommend classic car or "collector" car insurance. There are a number of companies that provide this specialized insurance, and it is generally well worth the cost. Classic Car News provided an article, Purchasing Classic Car Insurance, containing a list of companies along with links to contact them. I also recommend Hagerty Insurance's publication, Deterring Collector Car Theft, which has tips on theft prevention.In addition to the quick-strip thefts, thieves usually always alter, remove or forge VIN numbers, which make identification of the car or truck more difficult. Vehicle Identification Numbers (VINs) are serial numbers for vehicles that are used to differentiate similar makes and models. Much like social security numbers, every vehicle has a different VIN. VIN plates are usually located on the dashboard on newer cars, but are often found in the door jams of older models. VIN plates can be switched with another vehicle for a fast coverup.The point here is to be aware of your surroundings, including where you park your car. Don't take it for granted that just because you're at an event with fellow enthusiasts that something bad can't happen. Take preventive action by securing your old car or truck. Guy Algar suggests, "Don't forget to take precautions even at home. You may feel safe parking your ride in 'the safety' of your two car garage, but remember, even if you don't have windows where people can peer in and spot your valued car, thieves can also follow you home from work, a cruise, or even the grocery store and plan a theft after surveilling your home and learning your schedule. If you have a ride that catches people's attention, remember that it can also catch the wrong attention!"RESOURCES:Hagerty Insurance - Deterring Collector Car TheftClassic Car News - Purchasing Classic Car InsuranceAUTHOR'S NOTE:The safety of your classic car or muscle car is extremely important to most owners. Everyone wants to protect their ride with methods that work, and that won't bust the bank. We draw on the experience of experts in Classic Car News' upcoming series entitled "Keep Our Rides Safe", which appear each Wednesday. - Andrea

Classic Cars - A Guide to Buying Online

Buying a Classic Car requires thought, research and some planning. Classic cars are usually bought by enthusiasts to use and enjoy. It is not easy to make a profit from buying and selling classic cars.Make a project plan and do your best to stick to itYou may see a tempting classic car restoration project listed in a newspaper or classic car magazine or on the Internet that may only be one or two thousand to buy and could be worth ten times as much once it is restored.Practically though, have you the skills to carry out the restoration of the chassis, engine, interior, and the exterior ? If you need to find a specialist company to undertake some or all the work your ten times buy price may just come down to zero or very little profit indeed. Indeed in many cases the cost of restoration when added together will exceed the market value of the car. If you plan to keep the car and enjoy using it then this is perhaps an acceptable price to pay but do not expect to be able to sell the car at a profit particularly in today's "credit crunch" economy.Before you start looking - do you have enough storage space ? Do you have enough working area (remember once stripped down, the bits can take up an awful lot of space). No old car likes to be kept out in the open, not even with a plastic sheet to protect it from the rain, frost and snow and even the worst masochist won't like working out in the open when it is blowing a gale! Lying on a cold concrete garage floor is bad enough but working outside in all elements usually puts a restoration project on hold permanently ! Where to look for your classic car. Look in the your local newspaper, classic car magazines, the Internet or even just take a stroll down your street. There is no shortage of old cars to buy. But what if you are looking for something special? Well, let's face it, these days the easiest place to look is on the Internet.Go to Classic Lots (link below) and you will find thousands of classic cars from a rusty Mini for £100 to a Ferrari for £500,000. This excellent site also includes all the classic cars available on Ebay.Once you have identified the car that you want, read between the lines and look at the background of the pictures.You can learn a lot from what is not said as well as the way a description is written.I am always cautious when it says "selling it for a friend" and yet there is no contact number for the friend so you can make personal contact. When the subject of mileage is omitted from the specification box and the description... why?Keeping in touch with reality is essential. IF IN DOUBT - CHECK IT OUT!!!! Answer those niggling questions. In the pictures you can see what looks like oil on the ground. Is it from the car you are buying? Is that mud or rust?Ask yourself four questions. Why do I want the car? How much can I really afford? How far do I want to travel to view or collect it? and then the most important question of all... Do I really know enough about these cars to commit X thousands of pounds on a piece of pretty (or perhaps rusty metal)?So, buying a classic car on an online auction? Well, I would advise you to adopt the following rules before commencing such an undertaking, and before you make a bid !Remember if you are the highest bidder (assuming if there is a reserve that it has been met ) and you win the auction then you have entered a legal contract to buy that vehicle (providing the seller has described the vehicle correctly).Do not expect to go to collect the car and having viewed it to be able to haggle over the price or to walk away. Buyer beware, and if at all possible always view the car in person before you place your bids. If do not feel confident in being able to asses the condition of your prospective purchase take along someone who has the skills to give you an honest opinion of the condition of the vehicle. You may also wish to consider using the AA or RAC who both provide professional pre-purchase inspections - if the seller seems reluctant to allow this inspection walk away !Viewing the car before biddingIf you have decided to go and see the car then arrange a viewing and if for any reason you can't make it, let the seller know, it's only courteous not to waste their time just as you don't want them wasting your time.Things to take: a jack, perhaps some axle stands for safety, a torch, gloves and at the very least, a list of points you want to look at.When you get there take a quick look around. Has the car been kept outside or has it been garaged, this can give you a good indication of the condition you can expect of the body and or chassis. Are there other rotting hulks just lying around, maybe the seller just buys any old junk they can find and try selling it on, not much chance of the car you have come to see having had a service any time recently.Take a walk around the car and look for the tell tale signs of sagging which could indicate suspension problems or perhaps chassis problems. Do the doors and panels line up correctly, another indication of chassis problems or perhaps the car has had a bump at some time. Is it even one car or was it once two? Any repairs? Have they been completed well or have the repairs been bodged? Do the tyres match? What condition are they in? Check for rot in the body or in fibre glass cars/panels, look for stress cracks. Check the areas which are most prone to rot ie. arches, sills, doors, boot and bonnet. There are many different types of panels that can be used to effect repairs on a car and because of this the quality of repairs can vary.Check inside the car. Windows, front and rear screen, are any of them leaking? Is the headlining damaged or dirty? Lift the carpets where you can, check for water and any rot, maybe even holes in the floor? Check the floorpan and joints, don't forget inside the boot, the floor and spare wheel area. If you are happy so far with the body etc. try the engine (you did check all around the engine compartment didn't you?). Will the engine start from cold? If the engine is already warm perhaps the seller is trying to hide something, maybe cold starting problems, maybe he had to get a jump start or a tow just to get it going? Listen for any knocks, look for smoke. If you see blue smoke on startup that quickly clears it could mean the valves are tired and leaking oil into the combustion chambers. If the smoke does not clear that could indicate a very tired engine, something that will have to be added to the budget, not only for investigation but for the repairs.Clouds of steam on startup could indicate a blown head gasket or even a cracked cylinder head. Remove the radiator cap and look for "goo". It is cross contamination and a good giveaway of cylinder head problems. Black smoke, probably just an over rich mixture but could just as easily be a worn carburetter.Knocking. Well, it could be for a number of reasons, light tapping on the top of the engine could be a worn camshaft or a small end on its way out. Knocking from underneath could be a big end bearing breathing its last. An expensive repair. A rumbling noise could be a main crank shaft bearing on its way out, yet another expensive repair. Check the various hydraulic fluids and water levels. Look for any stains around the compartment and on the engine. Does the radiator smell of anti-freeze? Is there any oil lying around? Not a good sign. Keep the engine running for a while, some problems won't show up until the engine is warm. If the car is driveable, take it for a spin. How does it "feel" on the road, does it "pull" to the right or left? Is the clutch "spongy" or firm? Does braking throw the car into oncoming traffic? (eek!) Wiggle the steering wheel, any clunks? When you accelerate does the car lurch in any particular direction?OK so far so good. Now, the car may be 20 or 30 years old so it is not going to have all original parts. Brake shoes, clutch, spark plugs, points etc.. if they are the original parts, they are not going to be working very well by now! But seriously, if you are looking at an older car, does it have any of the original panels? Is the interior original? These points can add value to the car but the seller may try to pass off parts which were made last year in China as "original parts".Check the paper work. Does it have all of the required paperwork with it? Check the logbook, a very good place to start and don't be fobbed of with "We have just moved house and can't find it at the moment, I will post it on to you..". Never buy a vehicle without a logbook unless you know exactly what you are doing. It is also useful to have any old MOT certificates and any receipts are good as well.  Valuing classic cars. How much to pay? Well, the actual value of a classic car will vary considerably. It depends on condition, make, model, year and of course, what is it worth to you? Just how much would you pay to have that special car sitting on your drive at home?Be realistic! Just because you can isn't a good enough reason to buy a chassis of a 1926 Rolls Royce if you have no idea where to get the rest of the car and no idea of what to do with the parts if you can get them. Providing you followed the advice above on checking the car over, you should have a good idea of whether you are bidding for a car you can drive away or one that will take months before it even has wheels.If you read the magazines, talked to the owners club and browsed the Internet to get a good idea of what your aimed for car is selling for, then you should have a price in mind that you will pay for the car depending on its condition.Most classic car insurance policies include an agreed value based on the market value of the car. At the end of the day, it is up to you and your budget. If you feel happy with what you have paid for your car then that is all that matters.The basic rules for Internet Auctions.Identify what you want - and have some idea how much you want to pay. Set a budgetonly you know what you can afford to spend, or borrow. Use classic car magazine price guides and real adverts to see what your classic will cost to buy. Ideally hold back 10 percent to cover any unexpected problems. Calculate running costs by looking at mpg figures. Get insurance quotes: classic cars can be covered on cost-effective limited-mileage policies and are often surprisingly cheap to insure. Remember also that pre 1972 vehicles also have no road fund licence to pay. Talk to owners about how costly your classic will be to run.Join the owners club. A huge resource of expertise can be found in owners clubs. Not only will they have some of the best looked-after cars but they have huge amounts of knowledge on the subject of buying and running your chosen classic. They often have cheap insurance and parts schemes, too.Get an anorak ! No really - buy some books on your chosen classic, read magazines and become a classic-car bore. Research on the Internet and visit Classic Car Shows to talk to owners. You can never know too much.Select a range of examples available... and do not let the cash burn a hole in your pocket. There are thousands of cars for sale every day so be patient, if it is not there today, it will be soon.Check the sellers location - are you prepared to travel to inspect and then collect the car if you win the auction. Do you need to consider the cost of having your new pride and joy collected by a car transport service or could you hire a trailer and collect it yourself ?Check out the seller. Read all the feedback for the last three months, negative feedback should ring alarm bells Ring him/her and get to know about your seller. Why is it being sold etc. Things like "Why are you selling the car?", "Does it come with any spare parts?", "How long have you had it?", "Is there any rot?", "Does it have any history?" MOT's, receipts etc. can be helpful for the rebuild. If you know any specifics about the car you are enquiring about then ask any of the questions you feel you need answers for. It could save you a long drive and time away if you have the necessary information before you leave.If a vehicle has less than 3 months MOT ask the seller if they would be willing to send the car for a fresh MOT - to correct an MOT failure could be expensive.In the event of a car being sold as an MOT failure, ask the seller to specify the list of failures, then give your local garage a ring and ask them to give you a quote for the work that needs to be carried out. this will give you some idea of the costs involved in getting the vehicle through its MOT It will save you time and money in the long run, no point in bidding on a vehicle that is going to be to costly to put back on the road.Keep copies of all emails sent and received between you and the seller. they will come in handy if a dispute or conflict arises over the description of the item or any promises the seller makes you.Check if the seller is a private individual or a dealer - there are many people who buy junk from car auctions and then simply try to pass them off as their own vehicles for a quick profit.If the seller is a trader passing themselves off as a private seller and they are willing to lie about their status what else are they willing to lie about!!If the vehicle is being sold by a private seller, ask them how long they owned the vehicle for? is the logbook registered in their name and at their home address? if it is a genuine private sale, then the answers to the above questions should be yes!! if the answer is no to any of the above walk away.A few examples of the excuses usually given by traders posing as private sellers for not having the vehicle registered in their name "I bought the car for wife/husband or family member and they don't like it" "insurance to high" (people will usually always get an insurance quote before buying a car)"wife/husband did not like the car" "too big or too fast" or "they failed their driving test" "I bought the car as a stop gap"ring any bells? I am sure you have heard at least one of the above and I have heard them all.Remember it is a Legal Requirement to register a vehicle in your name regardless of how long you intend on keeping the car.A reputable trader should and will disclose the fact that they are a trader, remember if you buy through the trade they may have certain obligations to rectify any problems with the car.In the event that you have bought the car without prior inspection, before you go to collect the car, print out the item page and take it with you. If the seller has mis- described the item in anyway, you will have proof in your hands to argue your case.If buying from a private seller, always meet the seller at their home address which should match the address the car is registered at. If there is a problem at least you will have an address to go back to. Do not agree to "meet on the Tesco car park as it will be easier than finding my house "When you go to collect the vehicle if you are unsure about the vehicle or the seller walk away. Never part with your hard earned money until you are satisfied.Once you have handed your money over, you will not be able to get it back! If you have not viewed the car do not pay prior to collection, if you do you will have little choice but to take the car away or lose all your money.What's the worst that can happen if you walk away? the seller will give you negative feedback. its better to have one negative feedback than a car which is going to cause you lots of problems and cost you time and money. You can always argue your case with the online auction site and you may get the feedback comment removed.As a winning bidder you have a legal obligation to complete the transaction,however the seller has a greater obligation to be honest about themselves and the item they are selling. If the seller has misdescribed the vehicle and you do not complete the transaction they are very unlikely to take legal action against you for not completing the deal. Remember however if you simply change your mind and walk away without good reason the seller may take steps to recover the money from you.The basic rules apply even if you are buying from a trader or private seller if something sounds to good to be true then it usually is !!!I hope that you have found this guide helpful and that using this advice when purchasing a classic car online will help you to avoid the pitfalls and hopefully you will end up with a classic car to use and enjoy over the coming years.

How to Get Cheap Antique and Classic Car Insurance

When it comes to vehicles, classic cars are absolutely at the top of the pyramid, with their amazing features setting them far apart from the rest of the crowd. Unfortunately, as is typical for anything that attracts attention, classic cars tend to attract a decent share of thieves and vandals. Additionally, because classic cars are rare and tend to be expensive, many large "major player" insurance companies and agents will not even offer insurance for them. But just because it can be mildly difficult to find the right kind of insurance for your classic car, that does not mean that you can simply drive around without any insurance. Many states require that your vehicle be insured, and you can face serious fines if you are caught driving without adequate insurance coverage.Finding the right kind of insurance for your classic car is going to take a little bit of time, and a lot of research. Even more research will be involved if you are set out to find the cheapest available antique and classic car insurance available. There are car insurance companies out there which specialize in insurance options for antique and classic cars. Additionally, there are large automobile insurance companies which offer specialized insurance including antique and classic car insurance, but you will have to do a decent bit of searching in order to find them. A good place to start is with insurance companies like Hagerty, Leland west and Norwich Union which all specialize in antique and classic car insurance. It is important that you weigh a lot of different options, because the costs associated with antique and classic car insurance can vary wildly depending on which automobile insurance provider you go with. It is also important that you determine what each insurance company will value your classic car at, in order to make sure that you are going to be insured for the full value of your car. Traditional car insurance values the car at the cost to replace it, minus any depreciation that it has experienced. This is what sets antique and classic car insurance apart from traditional car insurance. With antique and classic car insurance, the value of your vehicle is typically an agreement made between you and the insurance provider. This way, you will not lose a serious investment in the event that your vehicle is ever totaled in an accident, or stolen and never recovered.The absolute best option for you to pursue when it comes to automobile insurance for your classic car is called an agreed value policy. Before this type of policy is purchased, you are required to sit down with an agent with the insurance company in order to come to a concrete agreement for the value of your vehicle. If your vehicle is ever totaled or lost, this is the amount that will be paid by the insurance company. This is also the point where you will receive a quote for the monthly payment. Another thing that sets antique and classic car insurance apart from traditional car insurance is the fact that antique and classic car insurance premiums are typically significantly smaller than what you will pay for traditional car insurance. However, not just anyone can acquire antique and classic car insurance, so before applying you should make sure you qualify for all of the following criteria:o Many antique and classic car insurance policies require that you meet a specific age limit. This is to insure that the driver(s) on the policy have adequate driving experience and are not in jeopardy of causing an accident. This makes it difficult for young and new drivers to acquire automobile insurance, even if they are driving an antique or classic vehicle.o Many antique and classic car insurance policies have also imposed a minimum age limit for your vehicle, in order to determine whether or not it can be considered an antique car. The typical limit is fifteen years old, so if your vehicle is less than fifteen years old you may have difficulty securing antique car insurance for it.o In order to qualify for classic car insurance, there are certain limits on how your classic car can be used. For example, you must have a garage or some other form of protective storage to park the vehicle in. Additionally, you cannot use your classic car for any business purposes. Finally, there is a limit on the number of miles that you can put on your vehicle every month or year. If you go over the mileage limit you can but your vehicle in danger of losing its protective insurance. Because of the imposed mileage limit, you must also be able to prove that you have another vehicle which is used for normal driving.Antique and classic car insurance is by far the best option if the vehicle that you are driving can be considered a collectible. This form of insurance is designed to protect cars that appreciate in value over time rather than depreciating. Most insurance companies will allow you to insure your classic car traditionally if you cannot find adequate antique car insurance, but you should expect to pay more in monthly premiums, and to receive significantly less in a pay out settlement if your vehicle is ever totaled. What this means is that if you are driving an antique or classic car, and specialized insurance is available to you on a local level, you should absolutely take the offer in order to protect your vehicle inexpensively without losing out on the serious investment that went into your prized possession.