US American Car Insurance

US and American Car Insurance

Many American car enthusiasts go to great lengths to get their dream car back to the UK. American cars include classic cars, 4×4 cars, modern cars as well as performance cars. The more popular types of American cars are the Dodge Challenger, Firebird, Thunderbird, Viper, Mustang, Corvette, Camaro, Pontiac, Chevvy and Plymouth, just to name a few.

If you own an American built or American imported car, you may find it tricky to obtain the right car insurance. Doing your research is important as is getting a word-of-mouth recommendation.

Many regular insurers will be reluctant to insure your American car for various reasons. They may think that these unique imported cars could attract unwanted attention, making them more open to theft or vandalism.

Some car insurers simply do not like to risk insuring left-hand drive cars as they feel they are at a higher risk. They also think that repairs on such as cars will be costly as replacement parts will be hard to source. Car insurance companies who decide to accommodate the risk will normally charge you a high premium for it.

If you find it difficult to find a mainstream insurer to cover your American car, there are plenty of specialist insurers who will be happy to help you. They will have the expertise and skills needed to understand your requirements for your special car. For example, they are more willing to insure left hand drive cars and cars which are valued at more than £50,000. A specialist insurer will normally also be able to provide a wider range of benefits than a regular insurer. This will give you peace of mind that your American car will be covered for all eventualities.

There are several ways to bring down the cost of insuring your American car. Most importantly, always drive sensibly and keep within the speed limits. Another suggestion is to avoid having to include an inexperienced driver as one of your named drivers on your policy. Young drivers are expensive to insure.

In order to reduce the risk of your American car being vandalised or even broken into, buy and install an immobiliser or a tracking device. Additionally, park your car in a safe location such as a locked garage or secure private driveway. If you can show the car insurers that you prioritise the security of your American car, they are likely to offer you more generous discounts.

Some car insurers will be prepared to offer you a lower premium if you can agree to a limit on your annual mileage. The lower your mileage, the lower your insurance premiums will be as the car insurers consider the risks to be minimised.

You can find American car insurance from most specialist insurance companies such as Performance Direct, A Plan, MCE, Quote A, Sure Term, Adrian Flux and many more which you can look up on the internet. If you prefer, opt for a mainstream insurer such as insurers the AA or Park Insurance. Online insurers have the advantage of being able to provide instant and sometimes cheaper quotes. Before making your decision, log onto a comparison website to compare all the quotes you have received. Make sure you are comparing quotes using the same criteria.