Classic Car Insurance

Mr. King · February 16th, 2007, 06:27 PM

Do any of you guys have classic car insurance or do you just use regular "daily driver" insurance? My 66 Cutlass is the first classic that I have owned that wasn't also my daily driver. Any advice, stories or things to avoid would be great.

Thanks in advance

Mr. King

Redog · February 19th, 2007, 10:05 AM

My Delta is reg as a Classic Car, but Classic cars in PA do not require emissions testing, this way I can swap in that 395558 350 block in a few years.

The laws in PA are that a Classic car can not be drivin as a daliy driver. It can be driven on the weekends and one day during the week to get to work. Antquies can't be drivin during night hours.

I currently have regualer insance on the car, but when the swap happens, I will be getting classic insurance. Some classic insurance companies limit milage

Eightupman · February 21st, 2007, 11:14 AM

I recently asked about Classic car insurance through my company, USAA. The referred me to another underwriter, but cann ot remember who. I did not qualify for the following reasons. 1.) I do not garage my car. 2.) The car is driven more than 2500 miles a year. (actually I think I only clocked 1300 last year, but thats because is was down for a few months till I changed the transmission) AND FINALLY (the kicker..) My wife has two speeding tickets on her license. So even though I would be the only one actually ON the policy, her record basically voided me of any hope for about two years. If I get into a wreck with the car and it gets totaled, I am screwed. Best chance is to do for full coverage and get an appraisal documented anyway.

John

Want-A-Vert · February 22nd, 2007, 05:58 AM

Try Hagerty insurance. I was referred to them by my Allstate agent. The insurance is cheap and I asked for 4,000 miles a year. I think its Hagerty.com

Kennybill · February 22nd, 2007, 08:44 AM

I too have Hagerty's on three of my cars. Cars muct be keep in a garage and you set a value of the car upfront, minium of $5000. I value my cars between $7000 & $9000. You also have to send in photos and be approved. I have never had a claim, yet. Good Luck, Ken

esoteric · February 22nd, 2007, 08:54 AM

I use State Farm, with Mulitple car discount insurance. I also got an appraisal and set that payout amount at that value. So if the appraisal comes in at 15K I set the value at that. I own 8 cars now and for us in Michigan it works out great. I drop the coverage to storage in the winter as we don't drive them during that time. My 1970 Cutlass costs $27 a month during the summer and $2.97 a month during the winter. My 1972 Convertable Cutlass is $32 a month during the summer and $4.31 a month during the winter.

I get conflicting answers when I ask about milleage limits, sometimes they say no more than 3K miles per year and other times they say there is no limit. But honestly I don't really get a chance to put more than 3K a year on here in Michigan.

February 16th, 2007, 06:27 PM	#1 (permalink)
Mr. King Member Join Date: Jan 2007 Location: Nebraska Posts: 52	Classic Car Insurance Do any of you guys have classic car insurance or do you just use regular "daily driver" insurance? My 66 Cutlass is the first classic that I have owned that wasn't also my daily driver. Any advice, stories or things to avoid would be great. Thanks in advance Mr. King

February 19th, 2007, 10:05 AM	#2 (permalink)
Redog Alero Chapter Secretary Join Date: Aug 2006 Location: Newtown, PA Posts: 1,145	My Delta is reg as a Classic Car, but Classic cars in PA do not require emissions testing, this way I can swap in that 395558 350 block in a few years. The laws in PA are that a Classic car can not be drivin as a daliy driver. It can be driven on the weekends and one day during the week to get to work. Antquies can't be drivin during night hours. I currently have regualer insance on the car, but when the swap happens, I will be getting classic insurance. Some classic insurance companies limit milage __________________ Me 2000 Alero running 14's 2005 Nissan Altima (her's) 1967 Olds 330 motor sitting on a stand 1985 Delta 88 w/1968 350 rocket ( MURDERED )

February 22nd, 2007, 05:58 AM	#4 (permalink)
Want-A-Vert Member Join Date: Oct 2006 Location: Lewiston, NY Posts: 63	Try Hagerty Try Hagerty insurance. I was referred to them by my Allstate agent. The insurance is cheap and I asked for 4,000 miles a year. I think its Hagerty.com __________________ 1969 Cutlass S Convertible Work in Progress

February 22nd, 2007, 08:44 AM	#5 (permalink)
Kennybill Registered User Join Date: Aug 2005 Location: Youngstown, Ohio Posts: 287	I too have Hagerty's on three of my cars. Cars muct be keep in a garage and you set a value of the car upfront, minium of $5000. I value my cars between $7000 & $9000. You also have to send in photos and be approved. I have never had a claim, yet. Good Luck, Ken __________________ A man has to know his limitations, especially with an Oldsmobile

February 22nd, 2007, 08:54 AM	#6 (permalink)
esoteric Junior Member Join Date: Aug 2006 Posts: 13	Car Insurance I use State Farm, with Mulitple car discount insurance. I also got an appraisal and set that payout amount at that value. So if the appraisal comes in at 15K I set the value at that. I own 8 cars now and for us in Michigan it works out great. I drop the coverage to storage in the winter as we don't drive them during that time. My 1970 Cutlass costs $27 a month during the summer and $2.97 a month during the winter. My 1972 Convertable Cutlass is $32 a month during the summer and $4.31 a month during the winter. I get conflicting answers when I ask about milleage limits, sometimes they say no more than 3K miles per year and other times they say there is no limit. But honestly I don't really get a chance to put more than 3K a year on here in Michigan.

February 21st, 2007, 11:14 AM	#3 (permalink)
Eightupman Registered User Join Date: Nov 2006 Location: Ladson, SC Posts: 495	I recently asked about Classic car insurance through my company, USAA. The referred me to another underwriter, but cann ot remember who. I did not qualify for the following reasons. 1.) I do not garage my car. 2.) The car is driven more than 2500 miles a year. (actually I think I only clocked 1300 last year, but thats because is was down for a few months till I changed the transmission) AND FINALLY (the kicker..) My wife has two speeding tickets on her license. So even though I would be the only one actually ON the policy, her record basically voided me of any hope for about two years. If I get into a wreck with the car and it gets totaled, I am screwed. Best chance is to do for full coverage and get an appraisal documented anyway. John

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