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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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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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Replying to: andre1969 (Jul 04, 2006 8:34 am) Q. When is an appraisal required? A. We need justification for a vehicle's value if the agreed value requested is more than any of our current value sources. We also require value documentation for street rods and customs over $50,000. Please call our Auto Service Team at 800-???-???? or email the team at auto  ??????.com for further clarification and assistance. __________________________________________ Their policy features: Low Premiums. Our rates are drastically lower than standard. For example: The standard rate on a '65 Mustang could hit $800/year. ?????'s average premium on the same car? Just $110. Agreed Value Coverage. In case of a total loss, you will receive the full amount for which you have insured your vehicle. No Deductible. In most states you will pay nothing if you have a claim with your collector vehicle. We do however, require a deductible option for newer vehicles that are less than 20 years old.* One-Time Liability Fee. No matter how many vehicles you have on your policy, you only pay a single liability charge.* Flexible Usage. Drivers can enjoy their classics with comfortable limits. Our policy allows for an occasional leisure drive, not just to parades or car events. In-House Claims Department. We want your claim handled by a collector insurance expert, so most claims are managed at ?????. We're here for you, even seven days a week during the busiest hobby months, April-October. Repair Shop of YOUR Choice. Your choice, not ours. Take your collector cars to your favorite repair shop. Restoration Coverage. You can protect your classic and its increasing value during an active restoration project. Instant New Purchase Coverage. Unplanned purchases up to $50,000 receive immediate coverage on an existing ????? policy.* Business-Use Endorsement. Collectors may use their cars for specific business or commercial uses for specified time frames.* Auto Show Medical Reimbursement. Clients or family members injured during an auto show or similar car-related function will receive pre-determined medical coverage.* Overseas Shipping/Foreign Touring Coverage. ????? can provide special coverage of your vehicle(s) during overseas transit including cargo shipping, foreign liability and property damage. We also can coordinate coverage during your stay. Club Liability Program. Protect your club and its members from potential lawsuits while enjoying the same great service and low rates enjoyed by all ????? clients.** Motorcycle Safety Equipment Coverage. This feature includes coverage of safety apparel, including leather pants, gloves, jacket and a helmet.* ????? Collector Network Membership. You'll have the opportunity to join the nation's largest community of collector car enthusiasts. * Available in most U.S. states. .... but I did notice that this company DOES require that it is garaged 
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Replying to: reallandyacht (Jul 08, 2006 7:01 am) Which company is this?
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Replying to: Mr_Shiftright (Jul 08, 2006 7:55 am) The insurance agent said that the company wasn't even real nit picky about that.
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Replying to: reallandyacht (Jul 09, 2006 10:00 am) |
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