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How to Find Insurance for a Historic Car

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If you own a historic car, like a 1960s era Mustang or an old Chrysler 300, you may think getting an insurance policy for your car will be difficult. However, many insurance companies offer specialty classic car insurance policy that takes into account the increase in value of the car over time and the likelihood you will take good care of your historic car. Traditional insurance policies are not recommended for historic cars, as they are often more expensive and do not provide adequate coverage for your historic car. Before you sign up for historic car insurance, you should obtain insurance quotes from several different insurance providers and compare the quotes to find the best rate for your car. Understanding How Historic Car Insurance Works Understand the difference between traditional car insurance and historic car insurance. Unlike traditional car insurance, there is no baseline rate for classic car insurance. The cost of the insurance will be based on your assessm
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How to Get Insurance on a Sports Car

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Getting insurance on a sports car or collector car is much like the process of getting insurance on a regular passenger vehicle. You provide information on yourself, your car and your area, and the insurance company gives you a price.  However, the special nature of sports cars means that not all insurance companies want to offer sports car policies. On the other hand, there are numerous companies that specialize in insuring classic, collector, exotic, and sports cars. These specialty insurers can offer a great degree of customization to meet your specific needs. Choosing between Specialty Insurance and Conventional Insurance Gather information about your sports car. This will include make, model and year. Typically, a new or late model stock sports car would not qualify for specialty insurance, but that’s not an ironclad rule.  Some models are exotic enough that they qualify even if they are of recent model year. You can research approximate values for your collector car
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How to Get Car Insurance for Just Part of the Year

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Drivers sometimes look for short-term car insurance policies that will cover a vehicle just for a few days or weeks. Although car insurance companies generally provide coverage by six-month or annual increments, drivers can typically get insurance in one, three, and six month increments. To find short-term options, you should solicit quotes from several insurers and compare them. You might also consider pay-per-mile insurance. Although it can last for twelve months, you only pay based on the miles you drive. Finding Insurance Companies Use web sites to compare prices. There are many websites online that will allow you to enter your information and then compare quotes from many different car insurers. Some of the more common websites include: Get referrals to car insurers. You might not have much luck finding an insurer using on web. Or you might know someone who purchased short-term car insurance and got a great deal. Ask this person for a referral, and then call the insur
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How to Determine Car Insurance Liability Limits

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American drivers have choices in how much car insurance they take out for themselves and their vehicles. Almost all states mandate minimum liability policies, with few exceptions.  However, the state minimum hardly ever covers total liability for newer cars, and how much the driver wants to add is up to him or her.  When it comes time to calculate how much coverage is right for a given person or household, the decision can be confusing and difficult. Some basic steps will help determine car insurance liability limits and define what kind of coverage makes sense for a particular driver or family. Steps Look at state requirements. First and foremost, the liability that is chosen has to meet the state standards. Insurance companies won't always clue drivers in on what the state requires, so researching state limits independently can help you understand the minimum requirement that is mandatory in your state of residence. Evaluate your assets. One big tip from finance
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How to Get Cheap Car Insurance for Young Drivers

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Being a young driver comes with an increased financial burden, via expensive car insurance. It is possible to decrease the cost of car insurance for young people using the industry standard tactics that work for any age group; however, there are also promotions that only young drivers qualify for that can make car insurance affordable. Getting the Best Rate on Car Insurance Be a safe driver. Driving safely is the first step to keeping insurance rates low. This means driving defensively, maintaining speeds within stated limits, never driving under the influence, and obeying all traffic laws. Below are a few other considerations to improve driving habits: Stay focused. Don’t text and drive, don’t be on the phone with friends. If your passengers are being rowdy, remind them that you are driving and need concentration. Be alert. Don’t ever drive while sleepy. Be sure to consider the impact of medications on your awareness and response time before driving. Consider other drivers.
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