{"id":16280,"date":"2011-07-26T12:11:02","date_gmt":"2011-07-26T19:11:02","guid":{"rendered":"http:\/\/www.myrideisme.com\/Blog\/?p=16280"},"modified":"2013-02-17T18:05:07","modified_gmt":"2013-02-18T01:05:07","slug":"save-money-with-classic-car-insurance","status":"publish","type":"post","link":"https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/","title":{"rendered":"Saved $793 Per Year with Classic Car Insurance"},"content":{"rendered":"<div class=\"mr_social_sharing_wrapper\">\n\t\t\t\t<!-- Social Sharing Toolkit v2.2 --><span class=\"mr_social_sharing\"><a href=\"http:\/\/pinterest.com\/pin\/create\/button\/?url=https%3A%2F%2Fwww.myrideisme.com%2FBlog%2Fsave-money-with-classic-car-insurance%2F&amp;media=http%3A%2F%2Fwww.myrideisme.com%2FBlog%2Fwp-content%2Fuploads%2F2011%2F07%2FSaving-Money-with-Classic-Car-Insurance.jpg&amp;description=Saved+%24793+Per+Year+with+Classic+Car+Insurance\" class=\"pin-it-button\" count-layout=\"none\" rel=\"lightbox[16280]\"><img border=\"0\" src=\"\/\/assets.pinterest.com\/images\/PinExt.png\" title=\"Pin It\" \/><\/a><\/span><span class=\"mr_social_sharing\"><fb:share-button type=\"button_count\" href=\"https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\"><\/fb:share-button><\/span><span class=\"mr_social_sharing\"><a href=\"https:\/\/twitter.com\/share\" class=\"twitter-share-button\" data-count=\"horizontal\" data-url=\"https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\" data-via=\"myrideisme\" data-text=\"Saved $793 Per Year with Classic Car Insurance\"><\/a><\/span><span class=\"mr_social_sharing\"><div class=\"g-plusone\" data-size=\"medium\" data-annotation=\"none\" data-href=\"https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\"><\/div><\/span><span class=\"mr_social_sharing\"><a class=\"mr_social_share_email\" href=\"mailto:?subject=Saved $793 Per Year with Classic Car Insurance&amp;body=https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\" target=\"_blank\"><img src=\"https:\/\/www.myrideisme.com\/Blog\/wp-content\/plugins\/social-sharing-toolkit\/images\/icons_small\/email.png\" class=\"nopin\" alt=\"Email\" title=\"Email\"\/><span class=\"mr_small_icon\">Email<\/span><\/a><\/a><\/span><span class=\"mr_social_sharing\"><a rel=\"nofollow\" class=\"linksalpha_button linksalpha_link\" href=\"\/\/www.linksalpha.com\/social\/mobile\" data-url=\"https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\" data-text=\"Saved $793 Per Year with Classic Car Insurance\" data-desc=\"Classic Car Insurance - Insure 2 Cars and Save! When it comes to insuring your classic car, there are a number of different auto insurance options available. During my adventures getting Classic Car Insurance with my 1955 Studebaker Champion, I\u2019ve learned a lot by trial and error. Wanting your\" data-image=\"http:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/Saving-Money-with-Classic-Car-Insurance.jpg\" data-button=\"\">\n\t\t\t\t\t<img src=\"\/\/www.linksalpha.com\/images\/social_share_button.png\" alt=\"Share\" class=\"linksalpha_image\" \/>\n\t\t\t\t\t<\/a><script type=\"text\/javascript\" src=\"\/\/www.linksalpha.com\/scripts\/loader_iconbox.js?v=2.4\"><\/script><\/span><\/div><h3>Classic Car Insurance &#8211; Insure 2 Cars and Save!<\/h3>\n<p><a class=\"highslide\" onclick=\"return vz.expand(this)\" href=\"http:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/Saving-Money-with-Classic-Car-Insurance.jpg\" rel=\"lightbox[16280]\"><img class=\"alignnone size-full wp-image-16506\" style=\"margin: 4px; border: 2px solid black;\" title=\"Saving Money with Classic Car Insurance\" src=\"http:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/Saving-Money-with-Classic-Car-Insurance.jpg\" border=\"2\" alt=\"\" hspace=\"4\" vspace=\"4\" width=\"575\" srcset=\"https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/Saving-Money-with-Classic-Car-Insurance.jpg 1024w, https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/Saving-Money-with-Classic-Car-Insurance-150x93.jpg 150w, https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/Saving-Money-with-Classic-Car-Insurance-300x186.jpg 300w, https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/Saving-Money-with-Classic-Car-Insurance-575x356.jpg 575w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<p>When it comes to insuring your classic car, there are a number of different auto insurance options available. During my adventures getting Classic Car Insurance with my 1955 Studebaker Champion, I\u2019ve learned a lot by trial and error. Wanting your experience insuring your classic car to be smoother than mine, I thought I\u2019d let ya know some of the discoveries I\u2019ve made along my journey!<\/p>\n<p>When it comes to insuring your car, there are a few options:<\/p>\n<h4>Standard Auto Policy<\/h4>\n<p>This is what most vehicles carry. A standard auto policy \u00a0insures your car for its blue book value at the coverage limits of your choosing. It is the type of coverage that you would have for your everyday vehicles that you drive regularly. It is also an option for your classic if you&#8217;re using it as your primary vehicle.<\/p>\n<h4>Stated Value Car Insurance<\/h4>\n<p>Not many car insurance companies offer this. Stated Value insures your car for what you claim its worth is, which should be verified by an appraiser. This figure is\u00a0about what you would expect to pay for a similar car at auction.\u00a0This type of insurance is for cars that have been fixed up and are above (probably well above) the blue book value.<\/p>\n<h4>Classic\/Collector Car Insurance<\/h4>\n<p>Specifically designed for cars that are collectible. I\u2019ve found that each company has slightly different guidelines and rules &#8211; but every collector car insurance company will require you to have another car insured for your daily driving\/commute on a standard auto policy.<\/p>\n<h3><a class=\"highslide\" href=\"http:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/bbridge.jpg\" rel=\"lightbox[16280]\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-16283\" style=\"border: 2px solid black; margin: 4px;\" src=\"http:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/bbridge.jpg\" border=\"2\" alt=\"\" hspace=\"4\" vspace=\"4\" width=\"575\" height=\"286\" srcset=\"https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/bbridge.jpg 575w, https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/bbridge-150x74.jpg 150w, https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/bbridge-300x149.jpg 300w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><\/h3>\n<h3>Price Difference in Classic Auto Insurance<\/h3>\n<p>For the past few years, I\u2019ve insured my Studebaker via Stated Value Insurance. As far as I can tell, this was my only option if I wanted to insure it for its true value. I did not qualify for Classic Car Insurance because I had no garage and it was my daily driver.<\/p>\n<p>Recently there have been a few changes in my car situation. I now have my own garage and I got a 2001 Ford Explorer for my daily driver. This all happened in the midst of my Stated Value Insurance company raising their rates considerably!<\/p>\n<p>When I purchased that policy a few years ago, I was paying $76\/month. That rate was for a stated value of $8000 with a good driver discount. With a minor ding on my record and company wide rate increases, I found myself paying $155\/month for the same policy! \u00a0That\u2019s $1,860\/year&#8230; OUCH!<\/p>\n<p><a class=\"highslide\" onclick=\"return vz.expand(this)\" href=\"http:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/No-Milage-Limit-Classic-Car-Insurance.jpg\" rel=\"lightbox[16280]\"><img class=\"alignnone size-full wp-image-16577\" style=\"margin: 4px; border: 2px solid black;\" title=\"No Milage Limit Classic Car Insurance\" src=\"http:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/No-Milage-Limit-Classic-Car-Insurance.jpg\" border=\"2\" alt=\"\" hspace=\"4\" vspace=\"4\" width=\"575\" srcset=\"https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/No-Milage-Limit-Classic-Car-Insurance.jpg 1024w, https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/No-Milage-Limit-Classic-Car-Insurance-150x99.jpg 150w, https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/No-Milage-Limit-Classic-Car-Insurance-300x199.jpg 300w, https:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2011\/07\/No-Milage-Limit-Classic-Car-Insurance-575x382.jpg 575w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<p><a title=\"Classic Car Insurance Quote\" href=\"http:\/\/www.condonskelly.com\/?utm_source=nsmbannerad&amp;utm_medium=myrideisme&amp;utm_content=030411\" target=\"_blank\"><img loading=\"lazy\" class=\"alignleft size-full wp-image-17794\" style=\"margin: 4px; border: 0pt none;\" title=\"Instant Insurance Quote from Condon Skelly\" src=\"http:\/\/www.myrideisme.com\/Blog\/wp-content\/uploads\/2010\/06\/insta-quote-button-cs-logo4.png\" border=\"2\" alt=\"classic car insurance quote\" hspace=\"4\" vspace=\"4\" width=\"249\" height=\"228\" \/><\/a> When I insured my Explorer as my daily driver, my monthly premium was cut in half. I had to set up the coverage for this vehicle to match the higher coverage level that the Classic Car Insurer offered. With these increased coverage\u2019s, my new insurance for my daily driver is costing $1051 per year.<\/p>\n<p>After adding my Explorer to my standard auto policy, I chose to\ufeff purchase\u00a0<strong>Classic Car Insurance <\/strong>for my Studebaker. I wanted to find a Classic Car Insurer that wasn\u2019t going to delegate when and where I could drive my car. I ended up selecting <a title=\"Classic Car Insurance - no mileage limitation\" href=\"http:\/\/www.condonskelly.com\/?utm_source=myrideisme&amp;utm_medium=banner&amp;utm_campaign=MyRideSummerArticles\" target=\"_blank\">Condon Skelly<\/a>, a Collector Car Insurance company that customized a policy to fit <em>my<\/em> needs for <em>my<\/em> car, the way <em>I<\/em> use it. I selected a policy with no mileage limits and during the process they were able to use my garage at MyRideisMe.com to document pictures of my vehicle. Now I\u2019m paying only <strong>$95\/year<\/strong> to insure my Studebaker!<\/p>\n<p>Overall \u2013 I went from insuring <em>one<\/em> car to <em>two<\/em> cars with <span style=\"text-decoration: underline;\">double<\/span> the coverage and I still managed to save $793 per year! Think of all the car parts I could buy with that savings!<\/p>\n<p>If you\u2019re interested in insuring your classic with a collector car insurance company, call the experts at Condon Skelly &#8212; 800-257-9496. They can help walk you through the process and tailor a policy to fit your specific needs.<\/p>\n<p>For more advice from my personal experiences, continue to the next article. I\u2019ll share with you what I wish I knew before making the switch to <a title=\"Classic Car Insurance - no mileage limitation\" href=\"http:\/\/www.condonskelly.com\/?utm_source=myrideisme&amp;utm_medium=banner&amp;utm_campaign=MyRideSummerArticles\" target=\"_blank\">Condon Skelly<\/a> myself \u2013 continue reading: <a title=\"3 Things to Know Before Insuring Your Classic Car\" href=\"http:\/\/www.myrideisme.com\/Blog\/selecting-classic-car-insurance\/\" target=\"_blank\">3Things to Know Before Insuring your Classic Car<\/a><\/p>\n<p>Condon Skelly is the official classic car insurance company of MyRideisMe.com.<\/p>","protected":false},"excerpt":{"rendered":"\n\t\t\t\t<div class=\"mr_social_sharing_wrapper\">\n\t\t\t\t<!-- Social Sharing Toolkit v2.2 --><span class=\"mr_social_sharing\"><a href=\"http:\/\/pinterest.com\/pin\/create\/button\/?url=https%3A%2F%2Fwww.myrideisme.com%2FBlog%2Fsave-money-with-classic-car-insurance%2F&amp;media=&amp;description=Saved+%24793+Per+Year+with+Classic+Car+Insurance\" class=\"pin-it-button\" count-layout=\"none\"><img border=\"0\" src=\"\/\/assets.pinterest.com\/images\/PinExt.png\" title=\"Pin It\" \/><\/a><\/span><span class=\"mr_social_sharing\"><fb:share-button type=\"button_count\" href=\"https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\"><\/fb:share-button><\/span><span class=\"mr_social_sharing\"><a href=\"https:\/\/twitter.com\/share\" class=\"twitter-share-button\" data-count=\"horizontal\" data-url=\"https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\" data-via=\"myrideisme\" data-text=\"Saved $793 Per Year with Classic Car Insurance\"><\/a><\/span><span class=\"mr_social_sharing\"><div class=\"g-plusone\" data-size=\"medium\" data-annotation=\"none\" data-href=\"https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\"><\/div><\/span><span class=\"mr_social_sharing\"><a class=\"mr_social_share_email\" href=\"mailto:?subject=Saved $793 Per Year with Classic Car Insurance&amp;body=https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\" target=\"_blank\"><img src=\"https:\/\/www.myrideisme.com\/Blog\/wp-content\/plugins\/social-sharing-toolkit\/images\/icons_small\/email.png\" class=\"nopin\" alt=\"Email\" title=\"Email\"\/><span class=\"mr_small_icon\">Email<\/span><\/a><\/a><\/span><span class=\"mr_social_sharing\"><a rel=\"nofollow\" class=\"linksalpha_button linksalpha_link\" href=\"\/\/www.linksalpha.com\/social\/mobile\" data-url=\"https:\/\/www.myrideisme.com\/Blog\/save-money-with-classic-car-insurance\/\" data-text=\"Saved $793 Per Year with Classic Car Insurance\" data-desc=\"Classic Car Insurance - Insure 2 Cars and Save! When it comes to insuring your classic car, there are a number of different auto insurance options available. During my adventures getting Classic Car Insurance with my 1955 Studebaker Champion, I\u2019ve learned a lot by trial and error. Wanting your\" data-image=\"\" data-button=\"\">\n\t\t\t\t\t<img src=\"\/\/www.linksalpha.com\/images\/social_share_button.png\" alt=\"Share\" class=\"linksalpha_image\" \/>\n\t\t\t\t\t<\/a><script type=\"text\/javascript\" src=\"\/\/www.linksalpha.com\/scripts\/loader_iconbox.js?v=2.4\"><\/script><\/span><\/div><p>Email Classic Car Insurance &#8211; Insure 2 Cars and Save! When it comes to insuring your classic car, there are a number of different auto insurance options available. During my adventures getting Classic Car Insurance with my 1955 Studebaker Champion, I\u2019ve learned a lot by trial and error. Wanting your experience insuring your classic car [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[384,1815,1817],"tags":[1494,544],"_links":{"self":[{"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/posts\/16280"}],"collection":[{"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/comments?post=16280"}],"version-history":[{"count":26,"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/posts\/16280\/revisions"}],"predecessor-version":[{"id":22176,"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/posts\/16280\/revisions\/22176"}],"wp:attachment":[{"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/media?parent=16280"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/categories?post=16280"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myrideisme.com\/Blog\/wp-json\/wp\/v2\/tags?post=16280"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}