Insurance, For classic cars Options

[zymurgist]

Hey all,

I was wondering what kind of insurance people are getting for their 914's that are not daily drivers. I've seen some companies offering lowball quotes, but they usually have restrictions like you can never ever drive the car to work, can't leave it parked at the mall while you go in to watch a movie, mileage restrictions, yadda yadda.

Basically I'd like to be able to drive without having my mileage audited (the tail dragger's odometer doesn't work and I don't really care because I have more important issues to work on), do lunch cruises to places where I might not be abel to see my car, maybe drive to work on a really nice day... stuff like that.

Any opinions?

[Cap'n Krusty]

Most, if not all, insurance companies require annual mileage reports. The Cap'n

[derekdenman]

Mine has full coverage as a daily driver. I am a single 21 year old white male. I pay around $65 a month.

As a daily driver there is no milage report.

[zymurgist]

Cap'n,

Grundy advertises no mileage restrictions.

[Lavanaut]

(IMG:style_emoticons/default/popcorn[1].gif)

[jonferns]

haegerty terms:

* Usage. Hagerty provides coverage for vehicles that are used on an occasional basis -- e.g. club functions, exhibitions, organized meets, tours and limited pleasure driving.
* Storage. Collector vehicles must be stored in a fully enclosed, locked garage when not in use.
* Driving records. Generally, one or two minor traffic violations or accidents are acceptable. We are not able to insure those who have experienced major infractions such as a DUI, reckless driving or excessive speed violations within the past 3-6 years.* All household driving records are subject to review by an underwriter.
* Regular-use vehicles. Each licensed household driver needs to have a regular-use vehicle for daily driving and must maintain regular-use insurance in his or her own name.

and costs about $130 /year for my teener -JON (IMG:style_emoticons/default/biggrin.gif)

[db9146]

Ken,

Sneed Insurance used to offer what I though was a pretty good policy. It had mileage ranges per year that you could select but there was no restriction on when you could drive the car. You could dirve it to work as long as your mileage limit wasn't exceeded. The policy was underwritten by Travelers Insurance. Unfortunately, Sneed doesn't offer the Travelers-underwritten policy any more and I haven't been able to find anyone who does.

Does anyone know of another company that offers stated value insurance and that will allow you to drive the car to work, for instance, even with mileage limits?

Thanks,

Dee

[slackin' at work]

haegerty terms:

* Usage. Hagerty provides coverage for vehicles that are used on an occasional basis -- e.g. club functions, exhibitions, organized meets, tours and limited pleasure driving.
* Storage. Collector vehicles must be stored in a fully enclosed, locked garage when not in use.
* Driving records. Generally, one or two minor traffic violations or accidents are acceptable. We are not able to insure those who have experienced major infractions such as a DUI, reckless driving or excessive speed violations within the past 3-6 years.* All household driving records are subject to review by an underwriter.
* Regular-use vehicles. Each licensed household driver needs to have a regular-use vehicle for daily driving and must maintain regular-use insurance in his or her own name.

and costs about $130 /year for my teener -JON (IMG:style_emoticons/default/biggrin.gif)

I also have Hagerty. I "splurged " and pay $145 a year. why so much you ask? well, I opted for the free 50 mile towing. (limited to 3 time a year). I thought it was cheap piece-of-mind.

so, Hagerty FTW!

[WaideS]

haegerty terms:

* Usage. Hagerty provides coverage for vehicles that are used on an occasional basis -- e.g. club functions, exhibitions, organized meets, tours and limited pleasure driving.
* Storage. Collector vehicles must be stored in a fully enclosed, locked garage when not in use.
* Driving records. Generally, one or two minor traffic violations or accidents are acceptable. We are not able to insure those who have experienced major infractions such as a DUI, reckless driving or excessive speed violations within the past 3-6 years.* All household driving records are subject to review by an underwriter.
* Regular-use vehicles. Each licensed household driver needs to have a regular-use vehicle for daily driving and must maintain regular-use insurance in his or her own name.

and costs about $130 /year for my teener -JON (IMG:style_emoticons/default/biggrin.gif)

My .02

Hagerty never asked milage, nor did they record the odometer reading. I paid approx $400 a year.......30k agreed value

[jd74914]

haegerty terms:

* Usage. Hagerty provides coverage for vehicles that are used on an occasional basis -- e.g. club functions, exhibitions, organized meets, tours and limited pleasure driving.
* Storage. Collector vehicles must be stored in a fully enclosed, locked garage when not in use.
* Driving records. Generally, one or two minor traffic violations or accidents are acceptable. We are not able to insure those who have experienced major infractions such as a DUI, reckless driving or excessive speed violations within the past 3-6 years.* All household driving records are subject to review by an underwriter.
* Regular-use vehicles. Each licensed household driver needs to have a regular-use vehicle for daily driving and must maintain regular-use insurance in his or her own name.

and costs about $130 /year for my teener -JON (IMG:style_emoticons/default/biggrin.gif)

Hagerty doesn't insure people under 18? How does that work?

[highways]

Just wanted to say that when I was looking for classic insurance, I got some recommendations for AAA. However, when I went in there- they were complete ass hats. First they tried to make me pay 5 years back registration even when the computer showed I had taken care of it with non-op status from the get go. Then, they sent me over to their award winning, trophy toting star insurance agent who proceeded to search for every angle possible to avoid insuring my car.



AAA can go suck a big fat tailpipe for all I care. I will only be 'using' them to tow me home 4 times a year. They are also an evil corporation- they regularly lobby against public transportation.

(IMG:style_emoticons/default/sheeplove.gif)

[Carlitos Way]

AAA sucks for our cars. I waved them off :bird:

I ended up with Mercury of all places... through Howard, may he rest in peace. Agreed value policy for next to nothing... especially as a second car with one driver policy.

Call them up, or look them up online: www.thehowardagency.com.

C:>

[jaybird840]

Another vote for Hagerty. They've had two of my cars now. Very liberal on values (although I've never filed a claim with them to see how it all pans out), no mileage reporting.

[Ferg]

Another for Hagerty.

When I spoke with my agent, She told me mileage to and from events like RRC, WCR ect do not count against my total, so keeping it under the 2k is not a issue. They have never inquired about a mileage statement in 6 years anyhow.

Ferg

[KaptKaos]

(IMG:style_emoticons/default/sad.gif) (IMG:style_emoticons/default/howard.gif)

[PRS914-6]

Hagerty. Had GREAT luck with them. Very cooperative group. I pay $460.00 a year with an agreed value of $75,000. The $75K took a LOT of effort without an appraisal but they finally agreed after 3 tries and lots of receipts.

[Spoke]

Hagerty. Both cars with agreed value of $5K and 5K miles per year. $91 per car per year.

Spoke

[BarberDave]

(IMG:style_emoticons/default/smilie_pokal.gif)

I have CONDON & SKELLY, i just recieved next yr. bill yesterday. $180.00,

$20,000.00 agreed value, 2,500 mile limit ( altho that is not hard and fast)

it must be inclosed storage when not being driven, must have seconed car.

I have had them since 2000, i recomened. Dave (IMG:style_emoticons/default/slap.gif)

[black73]

Ken,

Sneed Insurance used to offer what I though was a pretty good policy. It had mileage ranges per year that you could select but there was no restriction on when you could drive the car. You could dirve it to work as long as your mileage limit wasn't exceeded. The policy was underwritten by Travelers Insurance. Unfortunately, Sneed doesn't offer the Travelers-underwritten policy any more and I haven't been able to find anyone who does.

Does anyone know of another company that offers stated value insurance and that will allow you to drive the car to work, for instance, even with mileage limits?

Thanks,

Dee

ANPAC (IMG:style_emoticons/default/flag.gif)

[stateofidleness]

so... is Hagerty like... "National" or local?
and im looking for insurance as well so where do i start?
do they have a website or a phone number i can call?

thanks!