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Whilst cost is an issue you may find the specialist auto insurers that exist may be less expensive; they may provide plans with a lower premium but are unlikely to insure any other type of vehicle. There are even companies that will only insure a particular type of classic car which might make it difficult finding an insurer for your own vehicle. When choosing an independent insurance company to provide car insurance for an antique car, be sure that the company is a reputable one.

No-one wants to find that after paying the insurance premiums for months the company will not or is unable to pay out on an insurance claim. Finding antique car insurance can be a lengthy and frustrating process; sometimes it is necessary to persevere if you want to have you car protected by the correct insurance policy. Most classic cars are worth many thousands of dollars and that is a big loss if the car is ever stolen or destroyed so having auto cover may be the most valuable protection you ever purchase.

Historically, vehicles strictly allocated for the farm could be classified as farm use vehicles and did not need to be insured. They were covered under the farm's liability policy. The past few years have brought changes in a lot of state's laws and now in many states, if farmers want their vehicles insured, they have to take out separate policies. Many states now require insurance to be purchased if the farm vehicle will be used on a public road at any time. These policies can be purchased online at low cost car insurance websites, on the phone, or in person at your agent's office.