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

[cha914]

I totally agree that autox isn't racing...but I also don't write policies for ins companies...I just don't want to not get covered if they suspect that I "race" my car.

The agent on the phone said that 37 states have a racing exemption, but texas does not, so they can't cover me at all...I am perfectly fine with them not covering me while on the track, but I guess I will have to lie to them in order to get covered or pay a very high price to cover a car that I drive very little.

I even talked to State Farm about anything they could do to match the hagerty quote, but they said the car had to be basically a garage queen and only come out for parades and shows....whatever...

Any other texas guys out there care to offer up how they cover their cars?

Thanks,

Tony