Finding the best car insurance for drivers with non-standard vehicles can be a challenge. Non-standard vehicles typically include classic cars, modified vehicles, or specialty cars such as motorcycles, RVs, and boats. These vehicles often require specialized coverage options due to their unique characteristics and valuation. This article will provide insights into choosing the right insurance for non-standard vehicles and highlight some of the best options available.
Understand Your Non-Standard Vehicle
The first step in securing the right insurance is to fully understand your vehicle’s unique aspects. Non-standard vehicles might not fit into the typical categories used by most insurers. Factors to consider include:
- Vehicle age: Classic cars may have different value assessments compared to standard vehicles.
- Modifications: If your car has been customized, you might need additional coverage for those modifications.
- Usage: Consider how often you use the vehicle and for what purpose (e.g., daily driving, weekend cruising, or show purposes).
Types of Coverage Needed for Non-Standard Vehicles
When insuring a non-standard vehicle, traditional coverage might not suffice. Here are some common types of coverage you might need:
- Agreed Value Coverage: This ensures you receive a predetermined amount in the event of a total loss, often based on the vehicle’s appraisal.
- Replacement Cost Coverage: Useful for vehicles that are hard to replace, covering the cost of finding a similar replacement.
- Custom Parts and Equipment Coverage: This covers modifications or enhancements that increase your vehicle's value.
- Roadside Assistance: Especially important for drivers of older or specialty vehicles, providing peace of mind during breakdowns.
Top Insurers for Non-Standard Vehicles
Several insurance companies specialize in non-standard vehicles, offering tailored coverage that addresses the unique needs of these drivers. Here are some of the top insurers to consider:
1. Hagerty
Known for its robust insurance policies for classic cars, Hagerty offers agreed value coverage and flexible usage options. They also provide roadside assistance, which is essential for classic car enthusiasts.
2. Grundy
Grundy specializes in providing coverage for classic and collector cars, offering competitive prices and specialized coverage options. Their policies can include coverage for restoration work, custom parts, and equipment.
3. American Modern
American Modern offers a variety of coverage options for specialty vehicles, including motorcycles, RVs, and classic cars. They have unique plans tailored to non-standard vehicles and often provide collectible car insurance policies.
4. Nationwide
Nationwide offers customizable coverage options for specialty vehicles. Their policies can be tailored to your vehicle's specific needs, including custom parts and agreed value coverage.
Shopping Tips for Non-Standard Vehicle Insurance
When shopping for car insurance for non-standard vehicles, consider these essential tips:
- Get Multiple Quotes: Always compare quotes from different insurers to find the best rate and coverage options.
- Know Your Vehicle's Value: Have an appraisal done to ensure you obtain the correct amount of coverage.
- Look for Specialty Insurers: Companies that specialize in non-standard vehicles often provide better coverage options tailored to your needs.
- Read Customer Reviews: Research customer experiences to gauge the reliability of each insurer.
Final Thoughts
Choosing the right car insurance for non-standard vehicles is crucial for protecting your investment and ensuring you have the coverage needed in case of an accident. By understanding your vehicle's unique needs, exploring specialized insurance options, and comparing multiple quotes, you can find the best car insurance that keeps you covered on the road.
