What is the best way to buy car insurance for my classic Mini, especially if my Mini is modified?
Shop around! I start by gathering some quotes from car insurance web sites. Most web site quote software won’t provide quotes for modified cars so I get a quote for my classic Mini without any modifications. I’m not lying to the insurance company, I just want the quote so I can call them and say this is the quote I have from your web site, but my car has X Y and Z modifications, what is the best quote that you can do? The ones that will insure the Mini usually tack on around 15% to the quote I already had, and add the modfications to the existing quote in their system (which I couldn’t do online). I have had some silly quotes in the past but there are hundreds of car insurance companies on the books of most brokers so it pays to start looking at least two weeks before renewal so you can take your time to shop around. Once I find car insurance with a quote I am happy with that covers all my Mini’s modifications at the coverage level I want, I mention the web site discount code I wanted
