Classic Cars as daily drivers

Replying to: rorr (Mar 15, 2006 2:23 pm)

i have a '91 mustang with under 31k miles on it. under 2500 a year isn't that bad. texas has warmer weather than new england. i don't even think about putting it back on the road until the sand is swept up. if i think it is going to rain, i don't drive it. did miscalculate a couple of times. once i hit my annual limit i put the cover on it and drop coverage. i don't try to stretch the calendar.
i do get pangs of jealousy every spring when i see the other fair waether vehicles back out, but i don't compromise on the roads being clean.
ok, my oldest has their permit, and we snuck it out around the block last weekend when mom wasn't home.

Replies to this message:
• Mr_Shiftright (Mar 15, 2006 6:21 pm)
  • rorr (Mar 16, 2006 6:09 am)
    • Mr_Shiftright (Mar 16, 2006 8:19 am) and 2 more...
  • explorerx4 (Mar 18, 2006 5:46 pm)
• andre1969 (Mar 16, 2006 6:04 am)
  • explorerx4 (Mar 18, 2006 5:42 pm)

Replying to: explorerx4 (Mar 15, 2006 6:06 pm)

Replies to this message:
• rorr (Mar 16, 2006 6:09 am)
  • Mr_Shiftright (Mar 16, 2006 8:19 am)
    • rorr (Mar 16, 2006 8:24 am) and 1 more...
• explorerx4 (Mar 18, 2006 5:46 pm)

Replying to: explorerx4 (Mar 15, 2006 6:06 pm)

Replies to this message:
• explorerx4 (Mar 18, 2006 5:42 pm)

Replying to: Mr_Shiftright (Mar 15, 2006 6:21 pm)

shifty - I'll check with the local Mustang club to see about having it appraised. I'll want to join it anyway and I'm sure the members would have some good info about insurance.
 
explorerx4 - you ain't kiddin' about the weather. It's been gorgeous the last several days (I couldn't believe the number of convertibles I saw out and about last weekend; particularly around the lake). That was one reason I was concerned about the 2500 mile limitation.
 
Of course, with the typical Texas summer (and no AC in the car), the prime driving times may be limited to just a few weeks a year......
 
andre - that was good news about the cost w/ Hagerty. I had no idea it could be that reasonable.

Replies to this message:
• Mr_Shiftright (Mar 16, 2006 8:19 am)
  • rorr (Mar 16, 2006 8:24 am)
    • Mr_Shiftright (Mar 16, 2006 8:33 am)

Replying to: rorr (Mar 16, 2006 6:09 am)

Replies to this message:
• rorr (Mar 16, 2006 8:24 am)
  • Mr_Shiftright (Mar 16, 2006 8:33 am)

Replying to: Mr_Shiftright (Mar 16, 2006 8:19 am)

"...if you qualify and stick to the rules..."
 
I'm guessing they won't cover 'incidents' while open-tracking the car.....

Replies to this message:
• Mr_Shiftright (Mar 16, 2006 8:33 am)

Replying to: rorr (Mar 16, 2006 8:24 am)

I have my '76 LeMans and '79 NYer on my regular insurance policy, with liability-only. Last year each car added $400 to the policy. This time though, I'm in the 35-39 age bracket, so my rate went down to where each of those cars only adds $293 annually to the policy.
 
But as soon as I add the LeMans to my antique policy, and, say, insure it for $4000 (I only paid $3K for it), then it would drop $293 off my regular policy, add $24 to the other, for a net savings $269.
 
I thought about switching my NYer over as well, but I don't know if they'd take it. It used to be that anything 25 years and older was a shoo-in, but the 70's and 80's sure messed that up!

Replies to this message:
• rorr (Mar 16, 2006 9:29 am)

Replying to: andre1969 (Mar 16, 2006 8:43 am)