Muscle car insurance

What is a muscle car and muscle car insurance?

A muscle car is a high performance car and the special insurance you need to take for these cars is called muscle car insurance which is different than normal insurance. The term muscle car generally refers to an automobile created in America, Australia or South Africa between 1964 and 1974 having a rear wheel drive. This car is generally a mid sized car with a very powerful V8 engine. These cars have special trim which is designed specially for maximum torque on street or in drag racing. These cars are distinguished from smaller sports cars and full sized cars. Very famous muscle cars are Pontiac GTO, Plymouth Road Runner, Dodge Superbee, Chevrolet Chevelle, Dodge Daytona, Mercury Cougar etc and the list goes on. A few modern day muscle cars are Chevrolet Impala SS, Mercury Grand Marquis, Ford Terminator SVT Cobra, Dodge Charger Daytona etc.

About Muscle Car Insurance

Muscle car insurance is a product which not all insurance companies will provide you. Usually, your standard car insurance companies charge a very high premium for muscle car insurance if at all they provide the insurance to your muscle car. And also, it is not a very good idea to get muscle car insurance for a standard company since they may not be specialists in this area. There are a few things which you should take into consideration while choosing insurance provider for your precious car.

Checklist for choosing Muscle car insurance provider:

1. Does this company specializes in muscle car insurance or it is only one product out of hundreds?

2. Whether the company offer stated car value or agreed car value? Usually, the specialty car insurance companies and insurers will agree upon a value of coverage for your car depending upon certain guidelines.

3. How many classes of insurance they have to offer? Do they have any year restrictions for their policies? Since modified cars and hot rod models are not covered under standard insurance policies, they have specific classes in which these cars will be classified.

4. Do they require professional appraisal? Some insurance companies require a professional appraisal to come up the coverage of insurance while others can provide insurance just based upon photographs.

5. What about the deductibles and liabilities? Always check these two important aspects before taking up the insurance. Since this is a precious car, don’t go with a cheaper insurance just because they have lower deductible.

6. What is the mileage limitation? Most insurance companies will put some mileage limitations on your car for the specified period. You should have some plan on how you are going to use this car before finalizing the policy.

7. What is the delimitation of modification in their books? Some companies are stricter when it comes to modification during the insurance period. Make sure you are aware of the guidelines.

8. Who else can drive the car? Most companies will only allow the insurer and his family members to drive the car and still be insured. Under 18 children are strictly no no.

9. Are there any discounts on safety features? This is pretty similar to any traditional car insurance policy. There may be some discounts available if the car has a car alarm or a Lojack.

10. How about roadside assistance, towing services etc? This is an important aspect of insurance policy since there can be any kind of unexpected problem with the car. Make sure you are aware of services provided and their charges if any.

Apart from above, there are many smaller things you should take care of. These include the claim process, payment methods, customer service etc.

How to find the best deal on your muscle car insurance

Since everyone has his own needs, you need to be specific about what all features are required in your car insurance policy. Once you know that, the best place to shop for your muscle car insurance is internet. Various options are available on your fingertips since you can search and get quotes from various qualified agencies and insurance companies and get all your questions answered.