How to Buy Kit Car Insurance

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Kit cars don't have regular VIN numbers like regular vehicles do. Find out how to buy kit car insurance with help from an independent insurance agent and small business owner in this free video clip.

Part of the Video Series: Auto Insurance
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Video Transcript

This is Melissa Morley with All Seasons Insurance. Today, we're discussing how to buy insurance for a kit car. A good place to start on this is to talk about what personal lines regular auto insurance policies cover. They are designed to cover your day to day driving experience back and forth to work, for regular people not businesses. And they're algorithms include knowing everything about your car from your VIN numbers. Kit cars don't have regular VIN numbers to tell the insurance companies all of the features in them. So, when you go to buy kit car insurance, you need to go to a specialty company that will take care of you. Companies like Hagerty Insurance and American Modern, and then there's a few more, will give you a policy that will cover exactly what your kit car is worth. A lot of times, they're called for an appraisal, or you can do an agreed value. These companies understand these cars. The understand what a great hobby it is, and they also know that the driving habits of a kit car are much different than that of personal lines. So make sure, that you're getting a discount if you don't drive very many miles a year, and that the coverage covers the amount that you have in your kit car. This is Melissa with All Seasons Insurance, and today we've covered how to insure your kit car.

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