Specialty muscle car insurance is one thing that you need to look into if you drive a classic muscle car.  A normal insurance policy with the same company that provides you with the insurance for your commuter car may be costing you way more than it should, and you may be quite disappointed with your reimbursement amount if you ever have to file a claim.  An insurance company that specializes in classic cars can usually offer you a policy with more appropriate coverage, at a much more reasonable cost, than your normal insurance company.   The first thing to check on when researching a specialty insurance policy is the A.M Best rating of an insurance company’s underwriter.  You want to make sure the underwriter is financially solid and stable, so only use an insurance company whose underwriter has a rating of “A-” or better.  Find out who the underwriter for your policy will be, and check their rating on A.M. Best’s website.   The second point to check on is if the muscle car insurance provider is offering you an Agreed Value policy.  Your commuter car is most likely covered with an Actual Cash Value policy, Stated Value or Stated Amount policy.  These types of policies assume that your car depreciates over time, and they don’t take into account the collector value of your muscle car.  Agreed Value policies require you to come to an agreement with your insurance company on what your car is worth at the time the policy is initiated.  In the event of a total loss, your insurance company will reimburse you the Agreed Value, instead of what they think it is worth.  Verify that the muscle car insurance company in question is offering an Agreed Value policy.   The third point to look at when choosing a muscle car insurance  policy is if it will cover the cost of repairs at the repair shop of YOUR choice.  You probably don’t want to take your pride and joy to a body shop that churns out lots of “merely acceptable” repairs on late model cars.  Many insurance policies will not cover the extra cost of taking your muscle car to a repair shop that specializes in restoring muscle cars.  Make sure you get a policy that will cover the extra cost of high quality work.   The fourth point to require of your muscle car insurance policy is that it cover the extra cost of original equipment repair parts.  With the popularity of muscle cars these days, there are some rather low-quality replacement parts being made, which would detract from the value of your car and/or require extra labor to bring them into shape.  Make sure your insurance policy will cover the additional cost of using original equipment replacement parts.   When getting a quote for a muscle car insurance policy, make sure that it is underwritten by a financially stable company and that it is an Agreed Value type of policy.  Verify that the policy will cover the cost of repairs at the shop of your own choosing and the extra cost of original equipment replacement parts.  Once you have those four criteria met, you are on your way to making a good decision on a muscle car insurance policy.