Spring is in the air and car shows are blossoming across the country. Classic and muscle car owners are pulling their babies out of storage looking forward to the season ahead. But before you take your pride and joy out to cruise or the show circuit it pays to review your car insurance.

Everyone should review their current car insurance policy annually, especially classic car owners. Insurance companies alter their coverage and riders often, and to make sure your car has sufficient coverage it's best to check with your agent every spring. Your agent will gladly assist in you in reviewing what your options are.

Classic car owners most likely have stated value policies with one of the top specialty insurance carriers (you don't have a stated value policy? Check out our reviews of classic car insurance companies). Specialty insurance is very sensitive to market forces from both the insurance industry and the collector car market. Reviewing your policy will also help you understand your car's potential worth. Checking with car price guides like NADA also help tremendously.

You want to make sure your car is insured for its current value. With many classic cars appreciating in value every year this is an important consideration. While this may require a slightly higher premium you'll make up the difference if ever you need to file a claim.

Also, spring is a perfect time to review your driving habits. Are you planning a long road trip with your car? Will you be doing restoration this year and have the car unavailable for long periods of time? In each case you need to review your mileage riders on your policy. Many policies restrict your overall monthly mileage. Also, in the case of long-term repairs (or simply not being available to drive) you might want to reduce your insurance to simply "Fire and Theft" coverage, which is less expensive and covers your vehicle for most occasions.

Enjoy your spring and summer by relieving yourself of your insurance concerns early!

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