Currently, several drivers save money on your car insurance by the reclassification of their cars of collection, but not all cars eligible for this designation, although it would be worthwhile to analyze to find out if your car meets the necessary requirements. For example, many insurers not sold you the policy of a collector unless you have more than one vehicle in your household. You can also limit the amount of miles driving per year on your auto collection. This is what you most need to know to take advantage of the savings offered by your insurer. What is the difference between the insurance companies? A policy of insurance of cars for a collection car offers drivers the same coverage as a standard policy. However, one of the biggest differences between a collection and a traditional policy auto insurance policy is the way in which the policy is paid.
The value of your car is preset and does not decrease during the term of your policy, by both, not will surprise knowing the depreciation of your vehicle. If you have coverage of market value or value in cash, which is standard in traditional auto insurance policy, you leave the determination of the value to the insurer. When you do this, the insurer will determine the amount of solution using a combination of the value of market, cost of replacement and depreciation. The depreciation of cars, can obviously take much solution if applied aggressively, while the agreed value removes any concerns anyone may have about much that the insurer will pay. Who is agreed on the value? Normally, the insurance agent works with the owner of the car to determine the agreed value; so if you say a car today for 250,000 pesos, after six years it will continue with the same value.
Some other differences are: most autos coleccion insurers provide coverage for the vehicle that when in repair. Standard policies do not cover damage caused by the mechanical workshop. The insurers of collector cars include reimbursement for a rental car if you need to rent one while repairs are carried out. A standard auto insurance policy adds this benefit for an additional charge. The regulations of cars of cargo insurance policies, is based on the number of kilometres travelled per year. Some policies allow unlimited kilometers throughout the year while others are based on a preset number. An additional premium will be charged in the event that the limit is exceeded. An insurer for autos coleccion quality insurance companies can help you save an average of 60 to 80 per cent a year in premiums, according to your driving and the State in which you live. Although some companies allow you to negotiate a deductible and reduce your premiums.