How do I get a classic car insurance quote online?

Nowadays, many insurance companies offer a non-binding online quote service, which can generally be completed in a matter of minutes.  Insurance quotes for classic car insurance, although they can be somewhat more involved than regular car insurance quotes, taking into account a number of additional factors, aren’t all that different in this respect.  The following is a walkthrough for a couple of select online quote services for classic car insurance, which should give you some idea as to how simple it is.

For the purposes of this experiment, I’ll be using an imaginary non-modified 1929 Ford Model A pick-up, garaged in Sacramento, California, with a value of $10,000 and annual mileage of 1000.

First, I’ll get a quote through Grundy Worldwide.  The link to the quote service is displayed prominently on the front page of their website.  Initially, you’ll have to enter some personal information: name, location, phone number, email address, and so on.  On the next page is the information about the vehicle itself.  You enter the year, make, model, Vehicle Identification Number (this is an optional field), agreed value, and whether the vehicle has been modified or not.  You can then select your liability coverage: $100,000, $300,000, or $500,000.  I’ll select $100,000.  You also appear to have a choice as to whether or not you want “comp and collision” coverage, but in this case it’s the only option available.  You can then add more cars to your quote, but I’ll stop with just this one.

After clicking “continue,” I receive my quote: a liability rate of $30, comp and collision rate of $55, and $1 of tax, for a total of $86.  Grundy notes that their online quotes do not include the driver’s age or record or some other factors which may lead to slightly more expensive premiums.

Also, I am now going to use American Collectors Insurance’s website to get a quote for the same vehicle.  They first ask for your state, name, and email address, which you can later use to register with their site and save your quote for future use.  Next, you are asked to input information about your vehicle, selecting a vehicle type (from a list of “Original, “Modified,” “Replica,” “Kit,” or “Exotic/Special Interest”), year, make (from a drop-down list), model, agreed value, annual mileage, garaging structure (from another drop-down list), and whether you are currently in custody of the vehicle.  On the next page, you have a choice in terms of your comprehensive deductible ($0, $250, $500, $1000, or 5%, 10%, 15%, or 20% of the vehicle’s value), collision deductible (the same choices, as well as the option to reject this deductible), and whether or not you’d like liability coverage.  I select the 5% options for both deductibles, and “yes” to liability coverage.  Note that, when you’re going through American Collectors’ quote process, you’ll see detailed information about each field as you complete it, so everything is made quite clear.

After this, you’ll see your estimated premium.  In this case, it’s $96.75, which includes American Collectors’ “TLC” plan and $500 of spare parts coverage.  You can also click on a button reading “Detailed Estimate,” which will give you a comprehensive breakdown of how the total premium is derived.

Posted: July 24th, 2009 under Classic Car Insurance Quotes.