The journal
How to compare classic-car insurance quotes
Put the coverage questions beside the price. The differences become much easier to see.
Build a one-page comparison
Give each proposal its own column. Across the rows, record the insurer, policy term, premium, payment fees, liability limits, physical-damage deductible and vehicle description. Add a row for the valuation and loss-settlement basis.
The NAIC's auto shopping tool encourages comparison of similar coverage. The collector-specific rows below help you ask what an ordinary price comparison can miss.
Compare the driving permissions
Write down the trips you intend to take, then check each against the proposed terms. Consider pleasure drives, club events, overnight touring, errands and any commuting. Note who is expected to drive and where the car will be stored.
If you cannot tell whether an activity is permitted, ask. Save the answer and request the relevant wording when it affects the decision. A salesperson's short description should not stand in for an unresolved policy condition.
Ask what happens after damage
Compare a total loss and a repair separately. For a total loss, identify the settlement provision, deductible and any question about retaining the damaged vehicle. For a repair, ask about estimate review, repairer choice and parts.
Write “not confirmed” when an answer is missing. Do the same for spare parts, transport, towing and restoration-related features. An attractive feature on an insurer's general website may not be included in the particular proposal or state form you receive.
Check the application and final documents
Review the information submitted with the application. Incorrect storage, use, ownership or modification details can make a neat comparison sheet misleading. Ask for correction before accepting a proposal.
Before replacing a policy, obtain confirmation of the effective date and any remaining requirements. Check the issued documents against the proposal. Keep the final version with your vehicle file and diary the next review date.
A practical decision rule
Choose only after you can explain why the proposal fits the way the vehicle will be owned and used. The cheapest column is not a substitute for that explanation, and the most expensive column is not proof of a better fit.
Our valuation guide and eligibility guide cover the two questions most worth resolving early.
General education, not a coverage determination. Your policy and insurer’s written terms control. How we prepare our content.