Since automobiles have become a big part of everyday life for most people living in the 21st century, the range of different types of vehicle that are driven on the roads of Britain has expanded. But while foreign makes account for the majority of vehicles driving in the towns and cities or through the countryside of the UK, a guaranteed head-turner is the sight of a beautifully preserved American classic car which usually stands out amongst the usual collection of Citroens, Mazdas, Toyotas and Audis.
While commuting, shopping and the school run might be made a whole lot more memorable in an American car, insurance for these big-engined, chrome encrusted icons of the US motor industry is notoriously expensive and often more than the average UK car owner can justify for such everyday usage. American car insurance is, however, becoming more affordable as the number of opportunites to purchase cheap cover for a wide range of vehicles increases, so for anyone thinking of buying a modern American car, insurers are fairly easy to find.
The crunch is getting the right policy to ensure your car is properly covered, and for some of the classic American cars, this may not be quite so easy to organise on the cheap. Car insurance is often better obtained from specialist brokers when the vehicle is of a specialist nature, but even that need not come at an extortionate price if you’re prepared to hunt around and tailor a policy to fit your specific requirements.
The cost of insurance for a classic American car is going to be more expensive than cover for a more average, modern model basically because the cost of replacing parts rises with the rarity of the vehicle. Also, being common targets for theft and vandalism, the older American cars are seen as a high risk proposition by virtually any high street or online car insurance company, and the fact that they are, more often than not, fuel hungry, un-green giants of the road is sure to attract higher premiums.
But for those who have embarked on a restoration project or paid a substantial amount of money to simply own an original American classic, car insurance is going to be an important issue and certainly something worth getting exactly right. Such individual cars will have individual requirements, but there are ways to cut insurance costs by finding a broker who can offer discounts for certain things – agreeing annual mileage, joining an owner’s club and enhancing security measures are all ways to reduce the price of an American car insurance premium, and while there seem to be hundreds of insurers competing to offer you the best deal, you might even end up with a few quotes to compare.