What to Know When Buying Your Dream Classic Car

What to Know When Buying Your Dream Classic Car: Buying a classic car might be one of the most exciting purchases you�ll ever make, so it pays to do to your homework. Antique and vintage cars can be costly to purchase, restore, and maintain.song lyrics help

 

Whether you�re looking for a project car to work on yourself or a fully restored show car, you�ll want to make a smart, informed decision.

Insurance

Some employees at the State Farm^� Vehicle Research Facility love classic cars, too. So much that they built a half-and-half �Jekyll and Hyde� 1968 Chevrolet Camaro RS convertible to demonstrate the importance of assigning proper values to collector cars. The driver�s side is restored to factory-stock specs while the passenger side is customized with lots of flashy aftermarket parts and custom bodywork. Database Management System And Types of dbms
Whatever vehicle you decide is right for you, you�ll want help protecting it. Check out our Antique/Classic Program to learn more about the types of coverage available.

Deciding what to buy

There are numerous options when buying a classic car, but before getting out the checkbook, it�s good to think about what�s right for you. All Smart Point Giving you such information as Current Transformer

• Be careful about the investment. Making money on classic cars can be very difficult. Buying something simply because you think it�s a good investment can be risky as the collectible car market is very volatile. Experienced dealers will tell you that a collectible car is only worth as much as someone will pay for it; the �book value� isn�t a guarantee. If this car will be for fun, focus in on cars that you would be proud to own and drive for years to come.
• Establish an affordable budget. Carefully figure out what you want to spend and stick to it. Keep in mind that restoration projects can be very, very expensive. If you buy a fixer-upper, you may quickly exceed your budget on parts and labor. A bargain car may end up costing you more than a pricier, but cleaner version.
• Do your research. Be sure to check the average retail value to get a baseline price. Read any information you can find and check auto auctions and price guides to help determine what the fair market value is for your car. Be extra cautious when buying a car on the Web. eBay has good tips on purchasing a classic car online .
• Check mileage. As with most used cars, the fewer miles on the speedometer, the more the car is probably worth. Don�t be afraid to purchase a high-mileage car; just be sure it is reflected in the price.
• Decide how it will be used. Think carefully about what you want to do with the car. Will it be driven daily or just on weekends? Would you like to show it? Will it sit in your garage under a tarp and rarely get used?

Inspecting the car

Careful inspection is very important when buying a classic car.  You may want to use an inspection service. Or if you want to do it yourself, here are a few things to consider:

• VIN: Make sure the VIN (Vehicle Identification Number) on the title matches the official VIN tag on the car. If they do not match, it�s possible it may have been in a serious accident or be a counterfeit or stolen.
• Interior: Original is best. Check if the seats, upholstery, badges, radio, dashboard, and emblems are damaged or not factory original. Finding and replacing these can really add up.
• Exterior: Try to examine the car in natural daylight. Look for the condition of the paint, obvious dents, and panels that are misaligned or mismatched. Major welding marks can be a sign of a clip job � attaching the front or back half of a junked car to a vehicle after it has sustained severe damage.
• Rust damage: A little can be expected, but if complete sections of floorboards or body panels are rusted or show signs of repair or replacement, you should be very cautious. If a professional did not do the repairs correctly, there�s a good chance the rust could return.
• Test drive: If the car is running and safe and legal to drive, take it out for a spin. It�s a good opportunity to check for any serious problems. Listen for anything out of the ordinary, such as noises, squeaks, and clunks. If it feels loose going around corners or over bumps, there may be costly suspension problems.

• Clear title: Check if the car is registered to the seller or not registered at all. Fees and penalties can really add up if you need to research and apply for a title.

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Best Car Insurance Plans In India

Best Car Insurance Plans In India: You have no choice but to get Car Insurance if you have a car. However, when it comes to buying Car Insurance, there are plenty of options.

What�s the cover?

As you know, insurance is a protection against financial loss that might arise from the happening of an unexpected event. A person can avail this protection by buying a policy and paying a premium for it to an insurance company. The primary purpose of Car Insurance is to provide financial protection to the policyholder against losses incurred due to any physical damages to their vehicle.

Losses and damages to your car under a Car Insurance policy may include:

1. Loss or damage to your vehicle due to natural calamities
   Example: Fire, explosion, lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide etc.
2. Loss or damage to your vehicle due to man-made calamities 
   Example: Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway.
3. Personal accident cover
   Coverage for the individual driver of the vehicle while travelling, mounting or dismounting from the car.
4. Third party legal liability
   Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property. A Third Party Liability cover is mandatory in India under the Motor Vehicles Act.

A comprehensive Car Insurance policy is one which covers all of the above. With the vast number of Car Insurance plans available in the market, which one should you opt for? Here are some popular plans.

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1. Bharti Axa Car Insurance

Bharti Axa Car Insurance covers a 2,500+ network of cashless garages and has a 24/7 claim settlement service. This will help you get those claims settled quickly. The Claim Settlement Ratio (CSR) of this insurance company is 89.09%, which is quite high when compared to the average of 78% for the industry.

Bharti Axa has two covers. One is the basic cover and another is the basic plus roadside assistance cover. The basic cover will have third party liability cover, personal accident cover and cover against calamities.

The basic plus roadside assistance cover will include all the features under basic and will also provide services such as on-road repairs, towing services, change of tyres, emergency fuel and lost keys.

Bharti Axa also offers add-on covers such as depreciation cover. This cover lasts for 5 years. You also get a No Claim Bonus (NCB) of about 50% when you renew the policy.

2. National Insurance Car Insurance

Being a government enterprise, National Insurance does offer cashless garages and has a 24/7 roadside assistance and claim settlement service. The CSR of this insurance company is 84.16% and just like other insurers National Insurance provides third-party liability cover of up to Rs. 7.5 lakhs.

National Insurance has two covers. One is the liability-only cover and another is the package cover. The liability-only cover will ensure only against damages to a third party. It will not cover damages to your vehicle. The package cover will have third party liability cover, damages to your vehicle and damages due to calamities (natural or man-made). National Insurance will provide NCB but the discounts will be higher if you opt for higher voluntary excess.

3. HDFC ERGO Car Insurance

With HDFC ERGO you get a network of 5,000+ authorised cashless garages and 24/7 claim settlement service. This company has been assigned �iAAA�rating by ICRA indicating the highest claim paying ability. HDFC ERGO has a CSR of 89.43%, making it a popular choice.

HDFC ERGO has many plans to suit your requirements. These include the Silver plan, Gold plan, Platinum plan and Titanium plan. While all plans come with zero depreciation cover, the gold plan will give downtime protection. The platinum and titanium plans give customers engine and gearbox protection, and NCB protection. The Titanium plan will also cover the cost of consumables.

4. Royal Sundaram Car Insurance

Royal Sundaram provides you with 3,300+ cashless garages across India, a free roadside assistance kit and insurance cover that is equal to 100% of the invoice price. The company also provides 24/7 roadside assistance and towing assistance.

The CSR of this company is 82.78%. Royal Sundaram provides NCB to its customers. You can also get a 5% discount on Own Damage cover if you are a member of the Automobile Association of India.

Royal Sundaram provides both basic as well as roadside assistance cover. The basic cover will include cover for own damages, third-party liability and personal accident cover. If you opt for a voluntary deductible of Rs. 15,000, you will get a 35% discount on the premium for Own Damage cover.