Standard Car
What You Need to Know About Car Insurance and Your Classic Car
Congratulations! As the owner of a classic car you've now stepped into the wide, wonderful world of classic car ownership and a huge community of car lovers who share the same appreciation for a car that has both power and history as you do. Now you get to expand your horizons even farther into the world of classic cars by beginning your quest for classic car insurance.
When you insure your classic car you're going to have two choices:
1) Purchasing a policy through a standard car insurance carrier. Yes, you can save yourself some time and effort and simply add your classic car onto your regular car insurance policy-you know, the same one you use to protect the commuter car that takes you to and from the job you used to help you buy and restore your classic car in the first place! Over 50% of classic cars today are covered by standard carriers.
There are some pros and cons to purchasing a policy for your classic car through a standard car insurance provider. It certainly makes it easier to keep track of your payments and policy terms if you have all of your vehicles under one roof, so to speak. It also allows you to enjoy a multi-car discount on all of your vehicles and unrestricted use of your classic car.
The down side of standard car insurance coverage comes in the form of the sixteen year old driver with a squeaky new license who needs more coverage than you do. Car insurance companies design their policies with daily drivers in mind, not collectors. As a result, you may end up paying more for coverage you neither want, nor need.
2) Purchasing collector's car insurance. If your classic car is more than fifteen to twenty years old (depending on the make, model and what state you live in) and used solely as a pleasure vehicle you may prefer to insure it under a collector's insurance policy. Collector's insurance is available nationwide and is generally less expensive than a standard policy, both because most of the vehicles these companies insure are at a low risk for filing a claim and because drivers have the option to customize their coverage to meet their specific needs.
Some drivers find that collector's insurance requires them to jump through what they perceive to be unnecessary hoops. For example, to purchase a car insurance policy through a specialized provider it is usually required that you have a valid driver's license and a good driving record extending back at least ten years. They will also require you to have a passenger car for each licensed driver in your family to prevent your classic car from becoming a primary mode of transportation, have a garage that your car calls home a majority of the time, and restrict your use of your classic car to the occasional pleasure drive and/or classic car show. All of these steps are designed to minimize your need to file a claim before approving your insurance.
Although this information is usually just submitted on a piece of paper prior to being approved, it's not unheard of for a car insurance carrier to audit a high value or extremely rare classic car prior to approving coverage.
The choice to insure your car with a standard carrier or a specialized provider is entirely up to you, and should be made with your particular needs in mind. What's important is that you ensure that your new baby is insured with a car insurance policy that takes care of her as well as you do yourself.
About the Author
Michael McDonough is a National Account Executive for QuoteScout.com. For more information on insuring your classic car, visit them on the web at
QuoteScout.com
.
Standard Car
 |
 NEW MTL GREAT NORTHERN GN 40 STANDARD BOX CAR w DOUBLE DOORS 3000  US $69.59
|
 Micro Trains 23190 Great Northern 40 Standard Box Car Double Door 1993 US $67.99
|
 N Scale 40 50 Standard Box Cars Lot of 4 MTL US $60.00
|
 Micro Trains Line N Scale New York State 40 Standard Box Car 21340 US $48.99
|
 Micro Trains Stock 33132 Norfolk Southern 50 Standard Box Car N Scale US $44.70
|
 NEW MTL GREAT NORTHERN GN 40 STANDARD BOX CAR w DOUBLE DOORS 3208 US $43.49
|
 MTL 20190 40 Standard Boxcar Great Northern 18007 Circus Car US $41.95
|
 MTL 23180 40 Standard Boxcar Great Northern 3345 Circus Car US $41.95
|
 Micro Trains Line MTL 20286 2 Union Pacific 3 pack 40 Standard Box Car US $40.00
|
 Micro Trains Great Northern 2 Pack 40 Standard Box Cars Single door US $32.50
|
 N Micro Trains 02000866 40 Standard Box car DRGW Rd 69789 US $31.95
|
 40 Standard Box Car Great Northern Kadee MTL 22020 Rd 11877 N scale NIB US $29.99
|
 N Scale WALTHERS 932 55094 AMTRAK Phase 1 Pullman Standard 72 Baggage Car US $29.95
|
 N Scale WALTHERS 932 55106 ILLINOIS CENTRAL Pullman Standard 72 Baggage Car US $29.95
|
 2008 Micro Trains Line CO 50 Standard Box Car Single Door MTL03100076 US $28.98
|
 Micro Trains 50 Standard Box Car Plug Door Libbys Famous Foods TLDX 35 US $28.21
|
 Micro trains N Standard Box Car Denver Rio Grande Western MTL02000866 US $27.49
|
 2003 Micro Trains Line UP 50 Standard Box Car Double Door MTL34310 US $27.30
|
 Micro trains N Standard Box Car Union Pacific MTL03200470 US $26.99
|
 MTL N SCALE 50 STANDARD BOX CAR PLUG DOOR UP 498051 032 00 470 US $26.95
|
 NEW MTL GREAT NORTHERN GN 40 STANDARD BOX CAR w DOUBLE DOORS 3270 US $26.09
|
 Micro Trains CBQ Standard Express Reefer 40 Despatch Stock Car US $26.00
|
 2003 Micro Trains Line 2003 Holiday Car 50 Standard Box Car MTL38360 US $25.95
|
 N Scale 40 Standard Box Car Happy Birthday MTL US $24.95
|
 MTL N 40 STANDARD BOX CAR SINGLE DOOR w o ROOFWALK N de M 63362 024 00 350 US $24.95
|
 N Scale 50 Standard Box Car British Columbia Railway 800480 MTL 07500120 US $24.80
|
I think I drained my transmission on a standard car? How do I fill it?
I have a 1996 eagle talon esi, I drained a resevoir on the driver side of the car, it was not the oil pan. But the fluid wasn't red, isn't all tranny fluid red? if I did drain it how do I fill it again?
if you did drain the trans fluid there should be a plug fairly similar to what you drained it with about half way up the side of the tranny that is where you will fill it up.(quit often the fill plug is right above the drain plug make sure after full you do not over fill no trans fluid should be flowing out of fill hole if it is let fluid drain from fill hole until it stops and put plug back in. Make sure you use the proper fluid some manual transmission cars take regular mercon dextron 3 and some take gear lube or regular motor oil if you call autozone they will tell you what and how much you need. By the way trans fluid does have lubricate properties just like oil but it also has better qualities for the clutching materials in your automatic trans.