Antique car insurance?

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dusterdood

The Duster Guy
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Rochester, NY
I remember reading about insurance for cars you don't drive much. Anyone have
any ideas? How much? Who to go to?
Mike
 
Up here it is through a company called Aviva Elite. It seems to me that down there it is a company called Haggerty or something like that.

Jack
 
I use Hagerty. I believe they're based in traverse city, MI. My duster is modified and valued at 18k and I pay around $300/yr. don't know the exact amount. Ask your daily driver ins agent. A lot of them are agents for Hagerty or other antique insurance companies.
 
ive got my insurance through state farm, they will pay for repair up to a value that i set for the car. the body on my car isnt verry nice , even tho the paint looks ok. Im paying like $20 a month. if the car was worth more id probably go to haggerty
 
I'm with Haggerty also. My ride's valued at 12K, and it runs $235 a year. I did most of it on the Web. Then they called me, I uploaded them a couple of photos, gave them a credit card # and it was done. Very simple, no hassles.
 
any ideas for insurance companies for my cuda,i live in south dakota, im 18 and have 1 ticket, that may hurt a lil. i was discussing this with my mom and she was unsure
 
I insure mine through Hagerty. My car must be garaged and only used for pleasure driving. I also went through their web site and uploaded the application along with some pictures. Their web site does a good job explaining what their policy is with respect to classic car insurance:

http://www.hagerty.com/

They called that night, I gave them a credit card, and it was insured. Mine is insured as all stock for a value of $20,000 and I pay $175 a year. They said they would insure mine up to $25,000 for another $30 a year if I wanted but I thought $20,000 was good enough for now. I went with them because they have a good reputation for paying claims if damage does occur.
 
State Farm doesnt sell Agreed Upon Value Insurance, they sell Stated Value and tell you its the same thing. ITS NOT.

chrisII said:
ive got my insurance through state farm, they will pay for repair up to a value that i set for the car. the body on my car isnt verry nice , even tho the paint looks ok. Im paying like $20 a month. if the car was worth more id probably go to haggerty
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most of the classic insurers have a 25 YO min age.

1966 dart wagon said:
any ideas for insurance companies for my cuda,i live in south dakota, im 18 and have 1 ticket, that may hurt a lil. i was discussing this with my mom and she was unsure
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I looked into Haggerty and Grundy (they seem to be the most popular in my area). Haggerty was to restrictive on the miles per year you can accumulate, something like 2500 (I drive my Barracuda about 6-7k per year), Grundy had no mileage limits. They both required the car to be garaged and both would not allow under 25 year old drivers.

Grundy seemed like the best for me and their on line questionaire asked if I ever drove the car to work or used it for errands which I answered yes and they gave me a ~$250 price for an $15K agreed value. When I got the paperwork they wanted signed and notorized documents that stated I would not use the car as alternate transportation, drive it to work or use it for errands. That basically takes them off the table as a potential insurer since I do all those things with mine from time to time.
 
I understand they want you to not drive, but really, how will they know? Give me a break. I think they're asking you to sign so you won't turn your classic into a daily driver, but really, how many of us will? I might bring mine to work on a sunny day in the summer, but they'll never know. As for the mileage, 30 seconds with a pair of pliers, and my speedo is disconnected. Zip tie it up out of the way. You're done.
 
dusterdood said:
I understand they want you to not drive, but really, how will they know? Give me a break. I think they're asking you to sign so you won't turn your classic into a daily driver, but really, how many of us will? I might bring mine to work on a sunny day in the summer, but they'll never know. As for the mileage, 30 seconds with a pair of pliers, and my speedo is disconnected. Zip tie it up out of the way. You're done.
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What if it gets stolen when you are at work ??? What would you tell them???
 
no antique insurer allows driving to work. i have hagerty and they have never verified mileage.


dgc333 said:
I looked into Haggerty and Grundy (they seem to be the most popular in my area). Haggerty was to restrictive on the miles per year you can accumulate, something like 2500 (I drive my Barracuda about 6-7k per year), Grundy had no mileage limits. They both required the car to be garaged and both would not allow under 25 year old drivers.

Grundy seemed like the best for me and their on line questionaire asked if I ever drove the car to work or used it for errands which I answered yes and they gave me a ~$250 price for an $15K agreed value. When I got the paperwork they wanted signed and notorized documents that stated I would not use the car as alternate transportation, drive it to work or use it for errands. That basically takes them off the table as a potential insurer since I do all those things with mine from time to time.
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I'm not saying to start driving these cars every day, but I work in a fairly low crime area, and I've worked there for 16+ years. I can literally look out the window and see my parking lot. I've applied at both Grundy, and Haggerty. Just waiting to hear back from one of them.
Mike
 
I would just hate to know that I had a $20,000 car that got stolen and the insurance company would not give me a penny because it was at work... Not willing to take that chance....
 
Driving the car to work when you have signed a form stating you won't and you make a claim that occured driving to or from work constitutes insurance fraud. Here in Mass they are making an effort to go after folks and that's not a chance I can take considering my work. I will just keep it insured on my regular auto policy knowing that I won't get what it's worth if it's stolen or wrecked.
 
I have had Hagerty for about 5 years now, but am thinking of changing.
My Barracuda is sitting in the garage for several years now, waiting to be restored, started at only $50/year, but the past 2 years has now jumped to $127/year. And I'm not even using it right now! Looking at American Collectors.
But, they all say, locked garage. Besides getting it broken into at your house or stolen from your house, how do they know if the car is in a locked garage.
I met someone several weeks ago that has many antique cars but has no garage, and has them all under classic insurance.
 
I just got my car insured with Haggerty, rather reasonable and this comes with ten mile towing!

For those that use their car on a track, for a track event or even a driving school these insurers do NOT cover this and it definetely does not cover racing. So if you are going on a race track check your coverage.

My wife has a number of traffic tickets on her record so the insurance was really high. What I did was put all of my insurance, home, cars and whatever with one agent. This did lower the amount I was paying for insurance significantly. And I'm getting insurance from the same company but with a different agent but at a lower price.
 
We just finished our '67 Firebird (I know, our Duster is next). We went with Condon Skelly. Full coverage, $25,000 value for $213 per year. Same requirements - locked garage, no daily driving, etc.
Cal
 
dusterdood said:
I understand they want you to not drive, but really, how will they know? Give me a break. I think they're asking you to sign so you won't turn your classic into a daily driver, but really, how many of us will? I might bring mine to work on a sunny day in the summer, but they'll never know. As for the mileage, 30 seconds with a pair of pliers, and my speedo is disconnected. Zip tie it up out of the way. You're done.
Click to expand...

Excellent, two felonies

Insurance fraud and odometer tapering. I'll take good care of your car while your in prison,LOL.



Chuck
 
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