Free Online Car Insurance Quotes For Old Cars

Reader’s Question:

I am from Kansas, and I am wondering where I can get free online car insurance quote for an old car?

Kristen

Wichita, KS

If what you mean is a collectible auto, then you can check the websites of car insurance companies. Most, if not all, offer specialty insurance coverage for modified or collectible automobiles. This type of specialty insurance is very crucial as a collectible automobile may not be adequately insured with a regular car insurance policy. The Comprehensive Insurance included in a regular policy only pays for the vehicle’s actual cash value (ACV). So, if your vintage automobile gets totaled in an accident, you will be lucky to get half of the amount you paid for when you bought it from the dealer. This means that all the expenses you incurred to have it restored will just go down the drain. This will not be the case if you get collectible automobile insurance as an agreed amount to have the vehicle insured is arrived at from the time you obtained the policy. So if you had the collectible automobile insured for $90,000, then you get the said amount without any arguments following a covered accident.

If what you mean by “old” is a clunker, then the best way to have it insured is by getting minimum liability insurance and Personal Injury Protection as the no-fault law of the State of Kansas requires. But you might want to think twice about getting the supplemental Collision and Comprehensive Insurance. Since what you have is an old vehicle, that would probably not fetch as much when sold in a used vehicle garage. Then it means, too, that Collision and Comprehensive Insurance will not pay as much to have it repaired or replaced after an accident. But if you want to go ahead and get this insurance, anyway, you might want to consider getting higher deductibles, so that you can lower your overall car insurance premiums.

A free online car insurance quote is readily presented in any car insurance company website. Most car insurance sites require that you declare the make, type and history of the automobile before they give out a free online car insurance quote. For specialty insurance, it would probably be better to contact the car insurance company or a local agent directly as there may be some negotiations involved regarding the insurable amount.

Free Online Car Insurance Quotes In Los Angeles California

Reader’s Question:

Can I trust the sites that claim to give me free online car insurance quotes with the information I give to them? Can I also trust the answers they give me? I just moved here in California, so I don’t know how these things work here.

Eve

Los Angeles, CA

I have an answer for you, Eve: Yes, you can trust sites that offer free online car insurance quotes. There are popular sites available throughout the net for that, and the best thing about it is that it’s for free. Each site, of course, offers different services, as well as different costs for your car insurance. What you need to keep in mind is that it’s free, so that means that there IS NO OBLIGATION for you to pay for the service or to subscribe to the quotes they offer you. Think of it as window shopping except for car insurance instead of shoes.

Now, regarding the information you give out to them–it really depends upon the site itself. Some would ask for minimum information, and they will give you an estimate on how much your car insurance will be from an averaged data based on what is available for California, for example. I would say that this is good if you are just skimming for answers. I would prefer, however, a more accurate amount that is based on my data, and, yes, there are sites for that, too. These sites would prefer that you share some of your information with them like driver’s license, any accident, and violation information, current car insurance policies, maybe even odometer reading for each vehicle. These websites should give you a firm assurance that the information you provide will not be given out to other parties and such, like spammers, for example.