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

[Pnambic]

Most do, but they base it on miles driven per year. They'll want odometer readings to verify how many miles you put on the car per year. I think most carriers discount vehicles that get driven less than 5000 or somethimes 3000 miles per year. I haven't heard of "weekend" plans per se, but that's not to say they don't exist.

That racing definition can be dangerous. If your 16 yr old kid gets in an accident "street-light" racing his buddy, I suppose its conceivable that the claim could be denied due to racing the vehicle....I'm not sure on that. (IMG:style_emoticons/default/confused24.gif)