Auto insurance for non-dailiy driver 914, Insurance recommendations wanted |
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Auto insurance for non-dailiy driver 914, Insurance recommendations wanted |
rjames |
Jul 22 2008, 04:28 PM
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#1
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I'm made of metal Group: Members Posts: 3,955 Joined: 24-July 05 From: Shoreline, WA Member No.: 4,467 Region Association: Pacific Northwest |
I just found out that the classic auto insurance that I currently have does not cover me when I'm driving to/from work. It will only cover the car when driven to car shows (doesn't apply (IMG:style_emoticons/default/biggrin.gif) ) or 'pleasure drives' and the occaisional errand.
Other than that little caviat, I like the policy. There are no deductibles and it's cheap (~$150 per year). I can't put more than 3k miles per year on it, but that's ok becuase it's usually in the garage being worked on. (IMG:style_emoticons/default/dry.gif) (IMG:style_emoticons/default/av-943.gif) I didn't want to go with a 'regular' insurance company because I really don't drive it that much, I didn't want to pay the high premiums, plus I'd like to think that a classic car insurer would be more accommodating in the need I ever need to invoke the policy. However, I would like to be able to take it to work on a sunny day once in a while. (IMG:style_emoticons/default/driving.gif) So what are you non-daily 914 drivers using for auto insurance? |
KELTY360 |
Jul 22 2008, 04:55 PM
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#2
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914 Neferati Group: Members Posts: 5,036 Joined: 31-December 05 From: Pt. Townsend, WA Member No.: 5,344 Region Association: Pacific Northwest |
Why can't a drive to work be a 'pleasure drive'? How is that definition spelled out in the policy? If you're not using it on a daily basis and racking up miles, you shouldn't have a problem, unless it gets vandalized in the parking lot at your office.
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rjames |
Jul 22 2008, 06:08 PM
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#3
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I'm made of metal Group: Members Posts: 3,955 Joined: 24-July 05 From: Shoreline, WA Member No.: 4,467 Region Association: Pacific Northwest |
Why can't a drive to work be a 'pleasure drive'? How is that definition spelled out in the policy? If you're not using it on a daily basis and racking up miles, you shouldn't have a problem, unless it gets vandalized in the parking lot at your office. It's pretty specfic, quoting here: QUOTE "Occasional pleasure use means the vehicle is not used or driven to or from work or school" I guess if there was an accident I could say I was just out driving for fun at 7am? (IMG:style_emoticons/default/confused24.gif) (IMG:style_emoticons/default/rolleyes.gif) |
Racer |
Jul 22 2008, 06:09 PM
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#4
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Senior Member Group: Members Posts: 787 Joined: 25-August 03 From: Northern Virginia Member No.: 1,073 Region Association: MidAtlantic Region |
Therein lies the rub. You don't get to pay a low rate AND get to use your car as you please. The Ins. companies know this. The reason your classic car premium is so low is because they limit how much you can use it. And a normal street policy won't pay you what your car is worth should something happen to it.
I am currently using "conventional" name brand service, but I will be switching to either Hagarty or Grundy since I find myself using the 914 less and less "daily". I don't think you will find ANY "cheap, good coverage classic car ins" that will allow you to have conventional style use. |
rjames |
Jul 22 2008, 06:12 PM
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#5
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I'm made of metal Group: Members Posts: 3,955 Joined: 24-July 05 From: Shoreline, WA Member No.: 4,467 Region Association: Pacific Northwest |
Therein lies the rub. You don't get to pay a low rate AND get to use your car as you please. The Ins. companies know this. The reason your classic car premium is so low is because they limit how much you can use it. And a normal street policy won't pay you what your car is worth should something happen to it. I am currently using "conventional" name brand service, but I will be switching to either Hagarty or Grundy since I find myself using the 914 less and less "daily". I don't think you will find ANY "cheap, good coverage classic car ins" that will allow you to have conventional style use. You may be right. But I was hoping to at least be able to drive to work every once in a while. I'd like to find classic car insurance that just had a mileage limit rather than specific rules on where I could drive the car, but maybe that doesn't exist. |
tod914 |
Jul 22 2008, 09:51 PM
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#6
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Advanced Member Group: Members Posts: 3,755 Joined: 19-January 03 From: Lincoln Park, NJ Member No.: 170 |
QUOTE Why can't a drive to work be a 'pleasure drive'? If your business is pleasure, then you might be able to get away with an occasional bang. |
Carlitos Way |
Jul 23 2008, 12:11 AM
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#7
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I did it MY WAY Group: Members Posts: 1,337 Joined: 14-September 04 From: Simi Valley, CA Member No.: 2,757 Region Association: Southern California |
i just recently switched to... no, not GEICO. They seem to SUCK for our cars. But I did switch to AllState of all places. The guy was phenomenally good for service, came to my house to sign all documents and do the vehicle inspections, and the car is insured with a stated value policy... for somewhere around $500 a year. This being the second car in a two-driver policy, with no mileage restrictions stated.
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Gint |
Jul 23 2008, 07:00 AM
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#8
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Mike Ginter Group: Admin Posts: 16,083 Joined: 26-December 02 From: Denver CO. Member No.: 20 Region Association: Rocky Mountains |
First of all, all "stated value" policies are not the same. I heard Ted(?) Grundy himself explain on MCC that you need the right form and they are different (19something vs. 19a or c or some such minutia). I'm not here to argue about whether or not someone here has the right coverage or not. Buyer beware is all I'm sayin...
Be careful about that "pleasure drive at 7 a.m." stuff. If someone plows your car in the parking lot at work (like my DD was a while back) with no note, no nothing you're not going to be happy when they won't cover it. As stated previously, it's cheaper because they don't want to pay for every door ding you might get. |
6freak |
Jul 23 2008, 09:04 AM
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#9
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MR.C Group: Members Posts: 4,740 Joined: 19-March 08 From: Tacoma WA Member No.: 8,829 Region Association: Pacific Northwest |
I just found out that the classic auto insurance that I currently have does not cover me when I'm driving to/from work. It will only cover the car when driven to car shows (doesn't apply (IMG:style_emoticons/default/biggrin.gif) ) or 'pleasure drives' and the occaisional errand. Other than that little caviat, I like the policy. There are no deductibles and it's cheap (~$150 per year). I can't put more than 3k miles per year on it, but that's ok becuase it's usually in the garage being worked on. (IMG:style_emoticons/default/dry.gif) (IMG:style_emoticons/default/av-943.gif) I didn't want to go with a 'regular' insurance company because I really don't drive it that much, I didn't want to pay the high premiums, plus I'd like to think that a classic car insurer would be more accommodating in the need I ever need to invoke the policy. However, I would like to be able to take it to work on a sunny day once in a while. (IMG:style_emoticons/default/driving.gif) So what are you non-daily 914 drivers using for auto insurance? Try Leland West there pretty good to me! Under $400 a year I get 5k miles a year and the cars covered for 45k...But lots of must be`s ....good luck |
JRust |
Jul 23 2008, 09:53 AM
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#10
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914 Guru Group: Members Posts: 6,307 Joined: 10-January 03 From: Corvallis Oregon Member No.: 129 Region Association: Pacific Northwest |
I use Hagerty & am very happy. Under $200 a year with a stated value of 14k. May be bumping that up more as I do some more upgrades. I honestly don't know the specifics on if I can drive it to work occasionally. I could certainly drive it to work on my day off(wink wink nudg nudge) just to pick up my check (IMG:style_emoticons/default/confused24.gif)
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ericread |
Jul 23 2008, 10:28 AM
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#11
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The Viper Blue 914 Group: Members Posts: 2,177 Joined: 7-December 07 From: Irvine, CA (The OC) Member No.: 8,432 Region Association: Southern California |
I have a little different situation. Daily Driver and about 15,000 miles a year in SoCal. Any ideas on a more economical insurance carrier. I'm paying about $100.00 per month right now.
Thanks, Eric Read |
DarrenG |
Jul 23 2008, 10:40 AM
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#12
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Newbie Group: Members Posts: 46 Joined: 20-May 08 From: Liberty, MO Member No.: 9,078 Region Association: Upper MidWest |
State Farm has an option of 7500 miles per year.
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