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Kit car insurance is any insurance policy on a car that wasn’t put together by a traditional manufacturer. Because these cars often have expensive parts and lack the security features of mass-produced cars, they can be expensive to insure. If you currently own a kit car, or are planning on building one, getting it insured is part of the process of getting it street legal. And if you’re buying expensive parts, you may want to consider getting it insured while you’re building it.
Most kit cars will be insured at an agreed value. This means that you and your insurance company will agree on an amount that the car is worth if it’s totaled. This amount should factor in the cost of the parts as well as the cost of your labor and effort.
There are three main types of coverage available. What kind of coverage you get will depend on your kit car’s value plus any financing requirements.
If you use your kit car in competitive racing, you’ll need to get additional racing insurance to cover you when you race.
You can also get coverage while you’re building your kit car. This is known as vehicle under construction insurance and can protect you from damage and theft while you’re working on your car. Some policies may also cover damage to parts and tools.
Another option is temporary car insurance, if you’ll only be driving the car occasionally as a test drive or during car parades.
The cost of your kit car insurance will be determined by the level of coverage you need, your age, location and driving history as well as the estimated value of your kit car and the risk it poses to an insurer.
As kit cars are rare and often unique, insurance prices can vary significantly. You’ll need to get specialized insurance, which may be labeled rare car insurance or classic car insurance, which may cost more than regular car insurance.
To get the best deal on your policy:
Putting a kit car together can be a rewarding project, but it isn’t over when the last piece goes on. You’ll need to title, register and insure your car before you can drive it. To get the best deal, compare car insurers and get quotes from several companies.
You’ll need to title and register your car to make it street legal. This will generally require you to get your car inspected by a police officer, licensed mechanic or state official.
The process varies by state, so check with your local DMV or SOS to find out how to get your kit car on the road.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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