In an age when it’s possible to find a tailor-made product for any type of vehicle in the UK, car insurance companies are adding a bit of ‘muscle’ to the fray with some long-awaited competition in the form of low-cost American car cover. Once occupying a small and highly specialised corner of the market, anyone looking for a cheap quote for their imported American vehicle would almost definitely be searching in vain. But now there are a mind-blowing number of niche, high street and direct insurers all targeting the same customers, quotes for American car insurance are sure to offer some highly competitive deals.
While left-hand drive vehicles were once rarely seen driving along Britain’s roads and notoriously expensive to cover, US cars are now being imported by a rapidly increasing band of enthusiasts. With the custom paint-jobs, big, powerful engines and unique styling of a wide variety of 4X4 SUV’s and pick-ups, modern saloons and classic American muscle cars, insurance products need to reflect the multitude of requirements demanded by these specialised vehicles. But while that would seem like a recipe for high car insurance quotes, it is still possible to find some low-cost deals when there are a number of ways to help reduce the price of a premium.
Enhanced security is essential, so alarms and immobilisers are recommended as is overnight garaging, even though that is like stating the obvious to anyone lucky enough to own a classic 1969 Mustang! Setting a higher excess level and agreeing annual mileage will also have a favourable effect on an American car insurance quote and some companies even offer discounts to members of certain recognised owners clubs. And this all seems perfectly reasonable when it’s virtually guaranteed that those who own American cars are more likely to take them out to lavish them with love and attention, or on special occasions like rallies and shows, than to use them to drive to work or do the shopping and the school run.