How to Find the Best Auto Insurance For a Classic Car - Tips For Finding Cheap Antique Car Insurance

How can one find the best auto insurance for a classic car? Is it even possible to find cheap antique car insurance? Classics cars can be well worth the sometimes pricey cost of upkeep and storage - there is no need to have to pay more for insurance coverage than necessary. Read on to learn some of the things that you should know before you purchase a classic car auto insurance policy.

Who hasn't turned their head while driving down the road to get a better look at a classic or collectible car? We're enamored with the lines of the car as well as its pristine condition. But the detailed attention in maintaining a classic car's flawless appearance and operation is not only to draw admiring looks, it is also necessary in order to keep up the market value of the car. For this reason, along with others, specialized classic auto insurance policies were developed to meet the needs of classic and collectible car owners.

Another reason (a very important reason), for insuring your vehicle as a classic or collectible is the greatly reduced cost of classic car insurance relative to standard auto insurance. Standard auto insurance can cost as much as 200%-300% more than classic auto insurance. So, what is the biggest factor that causes such a great disparity in price between classic auto insurance and standard car insurance? Generally, collector vehicles are driven on a limited basis (the garage is where they are usually found). As a result, the risk of accident and loss to collector vehicles is considerably lower than the risk involved in vehicles that are regularly driven.

DOES YOUR VEHICLE QUALIFY?

The following is a list of classifications for collectible cars.

Antique cars - 25 years or older

Custom cars - 1949 to present

Classic cars - 20-24 years old

Collectible cars - 15-19 years old

Exotic cars - less than 15

Street rods - Pre-1949

This is the standard listing for those cars that are considered eligible for classic car auto insurance, but certain cars may be accepted at the discretion of the insurer. Sometimes, classic car insurers will customize an insurance policy for a particular vehicle.

WHAT ARE THE RESTRICTIONS ASSOCIATED WITH COLLECTOR VEHICLE INSURANCE?

To keep collector auto insurance rates low, certain usage limitations are placed on the insured vehicle.

Cannot be used for everyday use. This rules out using it to drive to work, run errands, or go out for that bite to eat. Under a classic car insurance policy, car usage should be limited to driving to and from car shows and the occasional parade.

Cannot be driven more than 2,500 miles per year. 2,500 is a fairly standard number among insurance companies that offer classic coverage, but there are some insurance companies that have mileage plans that allow up to 5,000 or 6,000 miles per year. This increased mileage limit was put in place to accommodate those drivers who like to take their cars to distant car shows. Of course the premiums are greater.

Must be kept in a locked garage. A locked enclosed trailer will also do, but a carport will not meet the grade even if you live in a gated community with a security guard. (The weather is also an enemy of the classic car). Some policies might stipulate that a car cannot be left unattended in a parking lot. This means leaving your car in a motel or hotel parking lot might present a problem.

WHAT CONSIDERATIONS SHOULD BE KEPT IN MIND WHEN CHOOSING CLASSIC AUTO INSURANCE?

Does the company offer Agreed Value Coverage or Stated Value Coverage?

Agreed value lets the classic car owner and the insurance agent set a value for the auto that does not necessarily reflect the market value for that car. Usually, the insurance agent will have to do a thorough inspection of the car both inside and out and will require photos of the vehicle.

What are the usage and mileage restrictions?

Find the policy that best suits your plans for using the car. Why pay for a plan that covers mileage for 5,000 when you know that you won't even come close to using the 2,000 miles available in a cheaper policy.

Can you choose your own repair shop?

The Mom and Pop shop down the road might do a good job on your regular car and offer the lowest repair bid in town, but do you really want them working on your classic "baby"?

What company underwrites the policy and what is the rating for that company?

You want to be sure that the underwriter has a good track record and is going to be able to fulfill all of their obligations even if for some reason there is a larger than normal influx of insurance claims.

Are there any discount programs available?

A good insurance company should always inform you of any discounts that are available to you, but it doesn't hurt to ask.

Does your insurance offer insurance for classic or modified cars that are under construction?

Some companies will monitor the progress that is being made on your vehicle while it is in the garage for repairs and modifications and allow you to adjust the value of the car as the project continues. Also, this type of insurance covers damages to your auto in case of a catastrophic occurrence such as a fire, or the hydraulic lift fails, or the tool cart falls on your car (with a little imagination the possibilities are endless.)

WHY CAN'T I JUST ADD MY COLLECTOR CAR TO THE FAMILY AUTO INSURANCE POLICY?

You can, but it could be a costly mistake. If repairs are needed you may be forced to accept the lowest repair bid, or if the car is badly damaged, the insurance company could opt to have it totaled. And although a discount is usually given for cars combined under one policy, that discount still may not provide the savings available if the car was insured under a classic auto insurance policy.

Finally, make sure your insurance company has a good understanding of classic cars. In the event that your car is totaled, you want to be able to work with a knowledgeable representative and receive the full value for your car.

COMPARE CHEAP CLASSIC CAR AUTO INSURANCE QUOTES ONLINE

Be sure that you shop around and compare car insurance rates from multiple companies before you decide to purchase. The more you shop the more you may save.

Get started comparing car insurance rate quotes today!

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Facilities Provided by New Kia Brisbane

Modern cars use a hi tech engine immobilizer system to guarantee that your car can not be stolen. Your keys have a tiny chip with a little ariel enclosed in the plastic. The chip is a part of a electrical device system used to check that the exact key is inserted in the lock. The car sends out a signal to the chip, Conveys. Then the chip will use the data it receives to do a calculation and it will send back a signal to the car computer, Reply. Simply if the signal the car receives is accurate all will be good and the car will start. If the incorrect signal is received then it would not start. The electrical device is the key to turn on electrical systems in the car. They include Power to the coil, power to the fuel system, and powering the cars' engine management systems.

Cars with transponder systems include Toyota, Ford, GM, Holden, Hyundai, Nissan, Mercedes, Audi, VW, BMW, Honda, Land-rover, Lexus, Mazda, Peugeot, Proton, Saab, Chrysler, Kia, Subaru, Volvo, Mitsubishi, Porsche, Suzuki, Chevrolet and more. And Kia is one of these. If you ever have lost your car keys then you can be in a lot of problem. Car dealers can cost many thousands of dollars to replace lost keys as they have to replace all the locks in the car as well as other components and computers in the car. With the second hand car market these days it can cost more then the cars value to just get a key replaced.

New Kia Brisbane are now becoming famous worldwide due to their recommendable services and facilities. They always launch great cars with great features. Now days everyone need a car. As it may be needed for old the works but keeping in mind the people of middle class also kia brisbane provides its customers with medium range cars moreover it also provides its customers used kia cars. Kia cars are famous not because of its stylish looks but also the services that brisbane kia dealer provide is appreciable as it provides insurance for the cars. If any kia car stop working within the warranty period than you can get free servicing or repairing of the car from anywhere throughout the world as brisbane kia dealers are situated world wide and its agencies helps their customers so nicely and politely.

Kia cars are definitely capable of attracting lots of crowd on the road while you take it off on the roads . So many people have the dream of buying the kia cars and now the dream can be fulfilled very easily by buying the car from kia rio brisbane.

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Parish Heacock Classic Car Insurance

Traditional insurers will either refuse coverage, offer only a replacement value based on the nuts and bolts (minus heavy depreciation) of the car, or will charge you a prohibitive amount for the premium. But many collectors find that special collector's coverage saves them money - as much as half - while insuring them for higher limits, sometime three or four times what a traditional company gave them.

Yes, it's possible to get collector's insurance coverage for full market value for your car, and save up to 50 percent off of the premium you'd pay with ordinary insurance. That makes classic car insurance a must-have for any serious car buff.

Below is information about three of the most reputable and dependable collectors and classic car insurance companies in the USA (All information listed below subject to change, please contact the insurance companies listed to be sure.)

Similar to the others listed below, but please contact Haggerty for details. American Collectors Insurance P.O. Box 8343 Cherry Hill, NJ 08002 Email: info@americancollectors.com Toll Free: (800) 360-2277 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).

At least 15 years old Garage-kept Driven on a limited, pleasure-only basis (up to 5,000 annual miles - available in most states) You may also qualify by: Having at least 10 years driving experience Having a good driving record Having at least one "regular" vehicle for every licensed driver in the household You may request a policy application either directly from American Collectors Insurance or through your local insurance agent (rates are the same either way).

Parish Heacock Classic Car Insurance P.O. Box 24807 Lakeland, FL 33802-4807 Email: info@parishheacock.com Toll free: (800) 678-5173 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).

Each household member of driving age must have at least 10 years driving experience or be excluded. Each household member must have a regular use vehicle less than 15 years old that is insured with liability limits equal to or higher than the limits being applied for on the collectible vehicle. All licensed members of household and any other drivers of the vehicle must be listed on the application. Maximum of two accidents or violations in the household, maximum of one per licensed household member in past 3 years. No major violations permitted in past 5 years. A Driver Health Questionnaire must be completed for all drivers over 70 years old.

Auto must be stored in a locked permanent garage facility when not driven. Auto may not be used for commuting to or from work or school, used for business purposes or as a substitute for another auto. Autos not covered while on a racetrack or when being used for: racing, speed, driver's education, or timed events. Must display pride of ownership: well maintained, in restored or well-preserved condition. Vehicles under restoration must be stored at residence or a restoration shop, with a target date for completion. Agreed value coverage is not available on cars under restoration. Eligibility subject to company review. Replica Vehicles and Pro Street vehicles are subject to company review. Trucks and Jeeps must be over 25 years old, and not be used for towing, hauling, off-road or utility use. Generally do not require appraisals, but may ask for one if vehicle value is difficult to determine.

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Vintage cars - a guide to buying online

Buying a Classic Cars requires thought, research and some planning. Classic cars are usually bought by enthusiasts to use and enjoy. It is not easy to make a profit from buying and selling classic cars.

Make a project plan and do your best to stick to it

You may see a tempting classic car restoration project listed in a newspaper or classic car magazine or on the Internet that may only be one or two thousand to buy and could be worth ten times as much once it is restored.

Practically though, have you the skills to carry out the restoration of the chassis, engine, interior, and the exterior ? If you need to find a specialist company to undertake some or all the work your ten times buy price may just come down to zero or very little profit indeed. Indeed in many cases the cost of restoration when added together will exceed the market value of the car. If you plan to keep the car and enjoy using it then this is perhaps an acceptable price to pay but do not expect to be able to sell the car at a profit particularly in todays "credit crunch" economy.

Before you start looking - do you have enough storage space ? Do you have enough working area (remember once stripped down, the bits can take up an awful lot of space). No old car likes to be kept out in the open, not even with a plastic sheet to protect it from the rain, frost and snow and even the worst masochist won't like working out in the open when it is blowing a gale! Lying on a cold concrete garage floor is bad enough but working outside in all elements usually puts a restoration project on hold permanently !

The basic rules for Internet Auctions.

Identify what you want - and have some idea how much you want to pay. Set a budget

only you know what you can afford to spend, or borrow. Use classic car magazine price guides and real adverts to see what your classic will cost to buy. Ideally hold back 10 percent to cover any unexpected problems. Calculate running costs by looking at mpg figures. Get insurance quotes: classic cars can be covered on cost-effective limited-mileage policies and are often surprisingly cheap to insure. Remember also that pre 1972 vehicles also have no road fund licence to pay. Talk to owners about how costly your classic will be to run.

Join the owners club. A huge resource of expertise can be found in owners clubs. Not only will they have some of the best looked-after cars but they have huge amounts of knowledge on the subject of buying and running your chosen classic. They often have cheap insurance and parts schemes, too.

Get an anorak ! No really - buy some books on your chosen classic, read magazines and become a classic-car bore. Research on the Internet and visit Classic Car Shows to talk to owners. You can never know too much.

Select a range of examples available... and do not let the cash burn a hole in your pocket. There are thousands of cars for sale every day so be patient, if it is not there today, it will be soon.

Check the sellers location - are you prepared to travel to inspect and then collect the car if you win the auction. Do you need to consider the cost of having your new pride and joy collected by a car transport service or could you hire a trailer and collect it yourself ?

Check out the seller. Read all the feedback for the last three months, negative feedback should ring alarm bells Ring him/her and get to know about your seller. Why is it being sold etc. Things like "Why are you selling the car?", "Does it come with any spare parts?", "How long have you had it?", "Is there any rot?", "Does it have any history?" MOT's, receipts etc. can be helpful for the rebuild. If you know any specifics about the car you are enquiring about then ask any of the questions you feel you need answers for. It could save you a long drive and time away if you have the necessary information before you leave.

If a vehicle has less than 3 months MOT ask the seller if they would be willing to send the car for a fresh MOT - to correct an MOT failure could be expensive.

In the event of a car being sold as an MOT failure, ask the seller to specify the list of failures, then give your local garage a ring and ask them to give you a quote for the work that needs to be carried out. this will give you some idea of the costs involved in getting the vehicle through its MOT It will save you time and money in the long run, no point in bidding on a vehicle that is going to be to costly to put back on the road.

Keep copies of all emails sent and received between you and the seller. they will come in handy if a dispute or conflict arises over the description of the item or any promises the seller makes you.

Check if the seller is a private individual or a dealer - there are many people who buy junk from car auctions and then simply try to pass them off as their own vehicles for a quick profit.

If the seller is a trader passing themselves off as a private seller and they are willing to lie about their status what else are they willing to lie about!!

If the vehicle is being sold by a private seller, ask them how long they owned the vehicle for? is the logbook registered in their name and at their home address? if it is a genuine private sale, then the answers to the above questions should be yes!! if the answer is no to any of the above walk away.

A few examples of the excuses usually given by traders posing as private sellers for not having the vehicle registered in their name "I bought the car for wife/husband or family member and they don't like it" "insurance to high" (people will usually always get an insurance quote before buying a car)"wife/husband did not like the car" "too big or too fast" or "they failed their driving test" "I bought the car as a stop gap"

ring any bells? I am sure you have heard at least one of the above and I have heard them all.

Remember it is a Legal Requirement to register a vehicle in your name regardless of how long you intend on keeping the car.

A reputable trader should and will disclose the fact that they are a trader, remember if you buy through the trade they may have certain obligations to rectify any problems with the car.

In the event that you have bought the car without prior inspection, before you go to collect the car, print out the item page and take it with you. If the seller has mis- described the item in anyway, you will have proof in your hands to argue your case.

If buying from a private seller, always meet the seller at their home address which should match the address the car is registered at. If there is a problem at least you will have an address to go back to. Do not agree to "meet on the Tesco car park as it will be easier than finding my house "

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Mercedes SLK 350 with LED Parking Lights

The Merc that can be called a sportscar without inviting peals of laughter.

Mercs are nothing if not inoffensive. In all their cars, everything has been styled more or less to please all and offend none. Fed up of being labelled as cars for old people, Mercedes is now on a sporty offensive.

The Formula 1 team. Michael Schumacher. The rip-snorting SLS AMG. Even more AMG-ing of the range. The angry face to the new C-Class. And the growing up of the SLK.

What really sets the tone is the startlingly angry exhaust note that greets you when you fire it up. All that noise is courtesy the new engine. Gone is the (cool-sounding) Kompressor 1.8-litre four-cylinder supercharged engine that, along with the lazy 5-speed auto, made the SLK200 more show than go. Enter a new V6 engine -- the first Mercedes V6 in India to get petrol direct injection -- and that makes for a very healthy 306PS of power and 370 Nm of torque.

Launching with the SLK 350 (the four-cylinder SLK 200 will come in eventually) has of course been necessitated by BMW and Audi bringing in beefy six-cylinder engines in the Z4 and TT, even though this has resulted in Rs. 13 lakh hike in price.

Performance numbers: The earlier SLK200 managed 0-100 kmph in 7.9 seconds. With power going up by 121PS, acceleration times drop to 6.71 seconds for the 100 kmph sprint, which makes it slightly quicker than the Z4 (though the TT is quicker to 100 kmph). What everyday driving will highlight is the impressive flexibility and bottom end grunt of the engine that demands a gentle prod on the accelerator to serve up strong overtaking oomph.

Performance is now abundant and effortless and you can call the SLK a proper sports car without having to endure peals of laughter.

But this is a Merc and they haven't forgotten how to make Mercs.

So, while it is aurally delightful when you knock back two gears, things settle down impressively when you knock it up two gears. The engine goes silent, the exhaust note becomes muted.

It is a sports car, no doubt, but has little of the compromises -- visibility, for instance, is excellent, you sit almost as high as a C-Class, so tootling in traffic doesn't get intimidating, the steering is with LED Parking Lights, refinement is excellent and the ground clearance is so good that you can take all kinds of speedbreakers without ever worrying about the belly scrapping.

This, again, is very unlike the other cars in this segment.

And of course there's that roof, the SLK's main attraction. The original SLK pioneered the retractable hardtop in this segment and though this wizardry has been around for over a decade, taking the top down never fails to draw the oohs and aahs. In under 20 seconds, the SLK transforms from a very attractive coupe to an even more attractive convertible and the way the whole mechanism works is still utterly fascinating to watch.

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If you have purchased you just your first vintage must not only where, but also how is it to assure.

As the owner of a classic car makes it not, if you good working Ford Capri 3 litre from 1970 a beat up old Morris minor from the 1960s or an elegant Jaguar E type in green drive, it is essential that you best find British race Oldtimer insurance cover for your beloved engine, which includes your individual risks to prices, break not the Bank!

If you a classic car before it is important to know there fundamental differences between what as a standard car insurance policy is known and the coverage under one as classic, a specialist car insurer defined have no owners.

The first thing to establish is whether your car for cover under a classic policy. A way to do this you could the previous owner is wondering whether it was covered with a vintage car insurance and the insurance.

Different car insurance companies have different definitions for the age and type of vehicles that can be covered by this type of coverage.

What could easily be covered with a single source can be excluded from another. Fortunately the most online vintage make cover this information on the first page of their Web sites, so it is to easily surf around and assess your suitability with various insurance companies.

You should check both the eligibility of age of the car in question, and also whether policy restrictions are driving circumstances for your, such as your age, which would you prevent coverage.

The large differences between the a standard directive and that of the vintage specialists is offered in such a way that you your classic car, and above all, how much you drive it. The large established insurers and price comparison websites provide coverage for older cars, but calculated an additional premium because of his age. It loads the premium if expensive as spare parts for the vehicle type are known.

In particular, they are offered only the current market value to replacement if the car of a default policy is covered and a depreciation of his is, if you claim.

With a standard car insurance for compensation such as basis for the value of the car is taken from often guide by the market value at the time of a claim, usually one of the price/magazines such as Britain's glasses set. The amount will probably get you a write-down on the current market value of your car become is an annual incident. Inevitably, if you a classic car and contractually, to make sure a standard policy, the true value of the car this leads to evaluation and insurance. Also probably not the salvage will give you and a classic car be repaired often can because the cost of the repair to the insurer is not economically viable as a write-down.

Classic car insurance - a beginners guide for new classic owners

When you buy a specialist vintage car is policy you a choice of either an agreed assessment of classic cars value or a directive on the basis of market value offered.

An agreed assessment the amount the insurance company will pay is of a claim results in a letter. This is a major benefit of insurance classic specialist policies, because this ensures that you not only properly fall, but receive also the specialized repair services that require your classic take advantage should. It should be noted that even agreed evaluation guidelines may change and you should ensure that the value for a given period to fluctuations in the fair market value is ensured.

Vintage cars, the insurance policies are therefore tailored to the needs of cars as collectibles and effectively the assessment rate for the State of the car is a factor.

The other main difference between the standard and classic policy is in such a way that you can use your car under the terms of the agreement. Originally developed this type of car insurance for drivers, much use not your classic cars.

All classic car have includes a limited mileage clause directives only the vehicle for an agreed amount of miles per year. Depending on which specialist car insurance companies use, there is a limit how far you can drive your classic. Some providers will cover but many specialists who offer provider now only a few thousand miles a year under the directive cover, up to ten thousand miles a year. These guidelines reflect the fact that many riders use modern classics as their main mode of transport.

As with all car insurance, it is important to compare covers and prices when shopping around. There classic insurance many specialist online today and many specialized systems, which are aimed at certain traditional owners. Compare you premiums offered by these that the price comparison websites, but if you want to avoid disappointment, you must have a claim, make sure you, the difference in the policy are included.

The Internet has very easy to compare classic car insurance made it previously only by specialist car insurance broker in the high street. You will find it provides special offers and tailor-made systems for your specific type classic with the search after your model classic car insurance.

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Carnauba Wax: The queen of all waxes

Carnauba wax is obtained from the leaves of the plant, Copernicia prunifera which is grown only in some north-eastern states of Brazil. It is also known as 'queen of wax' and usually comes in the form of hard yellow-brown flakes. In hot and dry season the plant secrets the wax to protect the leaves from damage. Its leaves then are dried and beaten to obtain the yellow-brown wax which is further refined and bleached before it is used. Temperature of 172 degree Fahrenheit (or 78 degree Celsius) is needed to melt the Carnauba wax which makes it durable. It is dissoluble in water and can only be made soluble with appropriate heat and chemical agents in some solvents.

Carnauba wax is used to produce glossy finish and is used in several industries which range from automobile waxes, shoe polishes, dental floss, floor and furniture waxes, instrument waxes and other polishes to food products such as sweets. It is also being used in paper coatings and for coating of pills. Because of its shine and hypoallergenic properties, it is also used as an ingredient in cosmetic products such as lipsticks, mascara, eye liner, eye shadow and various skin care preparations. It is used as a vegetarian alternative to Gelatin. It is highly water resistant and when used plain can make surfaces water resistant and durable. It is mixed with dyes and tints to make durable polishes.

Due to its multiple use and characteristics such as durability, hardness and shining properties Carnauba wax is named queen of all waxes. It is used in numerous industries as a finishing agent. Its aerosol suspended mold is used in making semiconductor molds. When used as mold release it, unlike Silicon or PTFE, is suitable to use with liquid epoxy, epoxy molding compounds(EMCs) and some other plastic compounds. Carnauba Wax enhances the properties of epoxies and other engineering plastics.

It is also used as an ingredient in making other waxes because of its hardness and durability. Glossy shine on our candies are because of Carnauba Wax.

Before you begin waxing your car, you need to keep in mind that you would have to your car in small portions, as dried wax would leave mark onto your ride. Only use genuine car wax, a soft cotton rag or a buffing machine, if you can afford one to your car. You can find numerous brands of car wax online, plus other useful tips to take care of your car on the internet.

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