Classic car insurance...for you autoxers?, specifically Texas...no racing exemption Options

[cha914]

So after getting my new quote from state farm for 335 bucks for 6months on the 914, I decided to check out these classic car ins companies.

I filled out the Hagerty form and got a quote of 178 bucks for a year with no deductible and 8K in coverage...sounds great! But then the next day I get a denial because I "race" the car. I told them that I do occasional auto crosses, and they said they won't cover me in such events because of the risk (fine by me) but that Texas doesn't offer a racing exemption for auto insurance, and so they can't cover me at all.

So, what do you guys do in Texas? I could just tell them that I dont' race, but then I am sure it leaves them a big loophole if I do have a claim and they find out the car has been "raced". Are there other options, or am I screwed paying this crazy rate?

BTW, this is a weekend car for me, and both the wife and I have clean records for 3+ years...and we are both over 25...sounds like I should be able to get some decent coverage.

Thanks for the help guys,

Tony Chavez

[lawrencedesigns]

Hope I don't open up a can of worms here.

Yes, I have an attitude because I was an SCCA National Driver for 12 years.
But.
Autocrossing is not racing. There is no wheel-to-wheel competition that I am aware of. So technically, it is a "handling demonstration." Get it?

If you tell the insurers that you do autocross, I am sure that their way of looking at things will exempt you.

But if you tell them it is a "weekend driver" you should have no problem.
Of course, if you roll it up into a ball at an autocross, that is your loss, as well it should be. Just like racing.

However, if you want just the normal street coverage, there should be no problem. Just don't tell em how you play..

I have Hagerty on my Alfa and the new Porsche project. I love their rates!