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Classic Cars Classic Cars as daily drivers
552 messages, Last post on May 11, 2009 at 8:03 AM
You are in the Classic Cars Forum. Your Host is mr_shiftright
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Replying to: andre1969 (Mar 20, 2006 7:57 am) Sure, if you have a collection of cars, the insurance company gives you a break sometimes... |
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Replying to: andre1969 (Mar 20, 2006 7:57 am) |
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Replying to: chevytruck_fan (Mar 18, 2001 11:52 pm)   "> 
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I would worry too much. If some idiot were to run into that 1960 Plymouth and wreck the grille and fromt fenders, they would be near impossible to find replacements. And, the shops don't want to work on old cars. |
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I just got a quote for FULL coverage on my 1970 Coup Deville convertible with up to $15,000.00 in repairs for UNDER $190.00 (USD) a year for this car! 
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Replying to: reallandyacht (Jul 04, 2006 8:13 am)
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Replying to: Mr_Shiftright (Jul 04, 2006 8:17 am) from what I understand - it does NOT matter with the ACTUAL quote I just got a couple weeks ago ... I can be anywhere with it .... why would they DEPRIVE you of the use of your classic?
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right now I think I pay about $178 a year for my '57 DeSoto, '67 Catalina, and '68 Dart combined. I forget what I had them set the value of each one at, but I think combined the three are insured for close to $20,000. As for use, here's what my company says on the subject... "vehicles that are used on an occasional basis -- e.g. club functions, exhibitions, organized meets, tours and limited pleasure driving." And then there's this little blurb... "Each licensed household driver needs to have a regular-use vehicle for daily driving and must maintain regular-use insurance in his or her own name." Also, if you have historic tags on your car, how you can use it is also going to be dictated by your local dept of motor vehicles. Many areas only allow you to drive in on holidays and weekends, to club functions, or necessary things like to the gas station, repair shop, etc. I think some areas do put on mileage restrictions as well, as do some insurers, but it'll vary by jurisdiction and insurer. For instance, in Maryland I don't think there's a mileage limit. At least, I've never had to record my mileage and give it to anybody. My insurer has never asked me to update my mileage either.
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Replying to: reallandyacht (Jul 04, 2006 8:22 am) |
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I've been meaning to get classic insurance for the fintail, instead of calling in when I drive it (most of the time - sometimes I forget). Seems it would be easier. I forget who I got a quote from...one of the old time companies that advertises in Hemmings...but it was minimal in cost, something like $100/yr with agreed value of $5000. The historic tags thing is funny...my car has year of manufacture plates on it, which is an equivalent...yet I drove it this way as a normal driver for about 5 years, and never had a hassle. I think it's an unenforced law. I'd hope so, anyway....with all the carnage out there, an old car with old plates is the least important thing for the revenue collectors to worry about. |
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