Classic Car Insurance - Tips to Ensure Lower Rates! There is no doubt about it, in case you own and drive a well used muscle car, there are many good things about getting the insurance from your specialty insurance carrier. They can offer you considerably more appropriate coverage at a lower price when compared to a standard insurance plan in the company that insures your everyday driver. However, how the muscles auto insurance companies can offer better coverage cheaper is that they place several limitations or restrictions on the policyholder and exactly how the automobile is used. Some of these limitations may disqualify you getting specialty insurance, or may be too restrictive depending on how your car is driven. Having invested a lot of time and money on such collector vehicles, these automobile enthusiasts may need to look for reliable insurance providers to insure them for loss or damaged. The chosen insurance provider must have specialized program with claim specialists whore knowledgeable and capable of deliver excellent service including handling of their claims inside a proper manner. Proper in the sense it must be professional, timely and efficient every time a claim is done. If your car is built for speed, itll fall under the high car insurance category as both speed and acceleration from important factors in fixing this insurance group. Figures show that top rated cars often avail more frequent insurance claims and therefore are categorized as a bad risk category that invites more premiums. The engine wouldnt start since the impact had broken a plastic bracket for the engine which held the throttle linkage. The driver and passenger were safely seen on their way along with the RAC called. After a short wait an orange van arrived as well as the RAC man jury rigged up a brief throttle bracket so I could drive the vehicle to base. While working under the bonnet we remarked that the radiator fan (engine mounted and not electric) had jammed inside the side in the radiator bracket. Both you and your car must meet certain qualifications to get classic car insurance. Perhaps most monumental coming from all is basically that you have zero negative reports on the record. Youll also must establish that every chaucer classic car insurance the drivers within your household have access to another vehicle for daily driving needs. Vintage car insurance underwriters will restrict the volume of miles you are able to drive annually. In addition, many insurers will call for the principal proprietor and driver to get a the least five years driving experience.