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Wednesday, June 24, 2009

Antique Truck and Car Insurance is a Classic Move!

Getting the right antique truck and car insurance for you is a very important part of protecting your financial investments. Insuring a collector car or truck has special considerations. Here are just a few things to look for that might help you choose the right antique truck and car insurance policy.

Make sure your antique truck and car insurance policy covers you for the way you actually use your antique or classic car or truck in real life. Some people may imagine that they are going to leave the car in the garage all the time but, in actuality, they can never resist driving it day after day. When an accident happens, they are out of luck.

Similarly, however, If you only drive your antique to and from big antique events, or in an occasional show, then a policy limiting you to those uses might serve your needs very well. THink through your habits very carefully before you decide on your antique truck and car insurance.

If you also use your car to run down to the store to pick up a few things or to the coast, you need to be sure your policy covers that kind of use. Ask your antique truck and car insurance agent for some advice.

You should also know the difference between a "Stated Value" and an "Agreed Value" for your antique truck and car insurance purposes. These terms can be described in detail by the insurance agent when you visit their office.

Be sure to ask your antique truck and car insurance agent how the company issuing your policy defines these two terms, and which is better for your situation. He should be able to help you with any questions you might have.

You really don't want to find out after an accident that you used the wrong method to set a value for your antique or classic car. Your antique truck and car insurance should cover you in any situation that might come up. Searching around and finding the right antique truck and car insurance will save you alot of problems down the road.

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