There it sits, your very own exquisite piece of drivable art work. Whether it’s that shiny hot rod you just restored, or that rare antique car you just acquired at the auction, protecting your investment is top priority. Now you are on the hunt for an insurance company that won’t treat you like you were crazy for buying a classic car. Before you insure your vehicle, there are several features you need to look at. Taking time and educating yourself will help you can obtain optimum protection.

Value is understandably one of the most important features. The value of your car should always go up, not down. You will want to make sure that you have an agreed value underwritten for your insurance. Depreciation of market value can happen to your vehicle if you choose a standard insurance company that is not well versed in collector car insurance.

The next thing to check on is the limitation of the model year of your vehicle. There are several companies that have no limitation on the model year as well as unlimited mileage. With these two things not being a concern, it frees you up to acquire any type of vehicle you like. However, expect to pay a higher premium for these advantages.

In regards to newly acquired vehicles, you can find some insurance companies that will underwrite an automatic 30 day coverage for you. This may or may not be a key feature for you, depending upon the amount of purchasing you do. If you will be driving your car quite a bit, participating in parades, or entering car shows, then finding a company that offers the highest liability limits will be important.

Lastly, remember to ask about the insurance companies extra benefits. Some benefits that are out there are towing and labor expenses, spare parts coverage, and you can even get auto show medical reimbursements.
So, if you already have your treasure sitting in the garage, or you are about to venture out and discover one, you now have the information to help you find the right collector car insurance.