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Things to Think About When You Insure a Classic Car

If you are in a position where you want to think about looking for car insurance for antique cars, you are certainly not alone! The topic of collector car insurance is something that plagues many people, and if you are in a place where you want to make sure that your vintage beauty is completely protected, good insurance is where you can start.

Affordable Auto Insurance Companies - Getting Quotes From Top Rated Auto Insurance Companies

It's not as hard as one might think to get affordable auto insurance rates from top rated insurance companies in the United States. In today's big-world of the Internet nobody should settle with insurance policy that it's too expensive, under-performs on service, or both-when a simple search on the Internet can produce multiple competing quotes to choose from.

Auto Insurance - Don't Rush to Get It

Auto Insurance insures your car against any damages caused to it due to an accident. Almost everywhere on the road driving a car needs auto insurance since they all look forward to protect their car from any damage caused while driving.

An Insurance Plan For People Under 25 Years of Age

People under the age of 25 cannot get the cheap car insurance easily. Such people who are under the age of 25 belong to the high risk age group.

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Want to learn something new about auto insurance? Something that can save you a lot of money or get a claim paid? Forget the usual tips. Check out these secrets.

1. Demand the legal policy minimums if you have no assets. Do you really need a lot of liability coverage if you have no money in the bank? Insurance companies will tell you that you do because you can be sued regardless. It's possible. I can't promise you that you won't be sued and end up paying a chunk of your paycheck to someone for life.

However, honest insurance salesmen admit that people without assets are rarely sued. Lawyers work on a commission in these cases, and won't take a case where there is no money to be collected. In fact, having a bigger liability policy can be an invitation to sue, and it won't protect you from personal liability, because they always sue for more than the policy limit anyhow.

If you have no assets to protect, why buy auto insurance? Because it is a legal requirement. In that case why not just buy the minimum coverage required? But be careful. My own insurance guy lied for years, claiming I had just that, when in fact I was paying for "company-recommended minimums." You might have to push the point, and may even have to sign something saying you understand how risky it is to be "under-insured."

2. Claim diminished value. If you have a collision policy, your insurance company will pay for the repairs after an accident. However, is the financial damage really fixed? Not necessarily. A car that has been in an accident and had the body fixed may look the same, but it won't sell for the same price. Would you pay the same for a car that has been in an accident?

A car that has been in an accident might be worth $2,000 less than a similar un-damaged car. This is called "diminished value," and may be covered by your policy. However, diminished value is often not paid unless you push the point. Get a car dealer to do an estimate of the diminished value if necessary, and present this to the insurance company. You pay for insurance to have your losses covered, and they aren't covered if you aren't paid for this.

3. Lower your premiums by removing kids from the policy. You may have already discovered that you pay a lot for insurance as long as you have driving-age children at home. Even if they are off at school, if their legal residence is your house, you pay more.

However, there is a little-known exception to this rule. If your children are at a college that's more than 100 miles away, you can have them taken off the insurance policy. This can dramatically reduce your premiums. The catch? They are excluded drivers, so you can't let them drive the car when they come home to visit.

These are just a few examples of the auto insurance secrets that insurance companies probably don't want you to know.