Insurance: classic vs. antique vs. standard |
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Insurance: classic vs. antique vs. standard |
JerryP |
Feb 26 2004, 12:31 PM
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#1
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member Group: Members Posts: 314 Joined: 8-October 03 From: Berwyn, PA Member No.: 1,225 |
Anybody use classic or antique insurance? I'm in PA with a '72 2.0. Grundy Worldwide says no coverage going to school, work or on errands. Anybody know the pro's and con's of this insurance? I want to know if I should dump my standard insurance and save about 75%. I don't use the car as a commuter but I would like to be covered if I get spanked by a Buick in the Home Depot parking lot. Ideas? Thanks.
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ninefourteener |
Feb 26 2004, 02:54 PM
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#2
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Perfectly Normal Guy :) Group: Members Posts: 1,216 Joined: 3-June 03 From: St. Louis, MO Member No.: 779 |
I have dealt with this..... and I chose to go with just "regular" full-coverage. There's no mileage restriction, and with classic insurance... they said that the car has to be either in a garage, or in plain site, at all times.
That means if I go to Wal-Mart to pick up toilet paper in the teener, and someone smacks into me, I'm not covered because I wasn't actially "watching" the car. The downside? If I total it, they will not want to cover the entire value of the car.... which means I may have to take them to court. Thats why I have an in-depth video of the car, and two different appraisals at $9000, and $9600 respectively. I highly doubt I'll total it.. I drive it like grandma, especially with my daughter in the car.. so I think I'll be ok. The upside?? I have full coverage on a 2002 Acura RSX, and full coverage on a 72 2.0. I have towing, rental reimbursement on both, and I'm a 28 year old single male....... I pay about $110 a month.... not too bad (IMG:style_emoticons/default/smile.gif) Just my 2 cents |
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