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Old 07-25-2005, 09:07 AM
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Classic Car Insurance

Alright..... I've checked into Haggerty and Classic Auto Ins., Inc., and some others, all with very reasonable prices.. CAI won't take me because I haven't 10 yrs driving experience, as I'm 21.

Does anyone know some more good places to look for classic insurance? I'm pretty sure my license record is wrecked since I have 2 speeding in 2001, 1 in 2003, but since then nothing but a revoktion in 2004.. Just got the license back in December.. grr

How hard do you think this search is gonna be to find insurance? I know I can go under my current company, but they're not going to offer classic insurance, so its gonna be a lot more.. any ideas?

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Old 07-25-2005, 09:25 AM
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Unless this is a second car, I doubt that you will get Classic coverage. But I have been wrong before...(not really, just mistaken)
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Old 07-25-2005, 08:18 PM
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it is a second car.. gonna be a third actually.. or only 1

depends..

Currently I'm on a plan with my grandparents (I live with them and my father)
So they have a 92 Century, I'm going to get a 89 240SX for daily driving, and then I have this 71 Riviera I want to buy.

Now there lies the question.. Will they accept my grandparents as both sharing a car and me having 1, or will they say 2 cars 3 people no good?


And then my driving record sucks so... hmm
might have to insure the riviera as a everyday use car.. which is a waste of money right there, and I doubt I could ever drive the Riv if say my grandfather insured it with a classic insurance.
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Old 07-26-2005, 08:10 AM
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Fragzem,

I wish we could offer you some optimistic news or an insurance carrier that would step forward with an affordable plan for you, but I think you are in the jamb that many in the "under 25" category face these days. It is just tough to find insurance at all, much less a policy that is affordable. From the insurance providers point of view, it is all based on statistics. And guys under 25 with a couple of tickets to their credit, just don't turn out to be good risks.

About the only thing I can think of is a company like American Family. If a family has ALL of their cars and their homeowners policy with AF, they will then insure a rod or collector car at a very reasonable rate (you can find additional good info on AF and other collector car insurance companies by using the search function on this site.) I'm guessing even AF has a "10 year driving record" however. But they might be worth a try.

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Old 07-26-2005, 09:17 AM
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I have my car covered through State FArm on their collector car coverage, declaired valve and only pay $12.50 a month without the restrictions that other classic car insurance plans have.
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Old 07-26-2005, 10:38 AM
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RetroJoe,

You are right. State Farm, like American Family, does a nice job of covering collector cars and rods. I should have mentioned them in my prior post but my brain slipped a cog or two. I think there are a number of guys on the forum who have SF or AF coverage and they all seem very happy with it.
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Old 07-26-2005, 12:05 PM
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hey, I feel your pain. I'm almost 23, with only 2 tickets on my record. But the collector places didn't care about my record. They focused on these points:
1. My primary vehicle isn't titled in my name, so they felt that i didn't have a primary vehicle.
2. I share insurance with my parents so they felt that I didn't have a primary insurance policy.
3. They felt that my 5000 miles a year was too much to drive the car. They couldn't understand that I would drive my car to a midwest car show instead of trailering it.

Like everyone suggests here, until we're 25. Insurance companies don't care about us. I hope you find something that works out.
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Old 07-26-2005, 12:11 PM
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I pay $275 a YEAR for the 65 Chevelle and 71 Nova combined. Total value at $45,000.00
There's restrictions, but I don't think I could ever REALISTICALLY WANT to park it at a mall, or take it to the grocery store where I would leave it unattended. Just couldn't do it!! I'd never leave it outside overnight either.
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Old 07-26-2005, 03:47 PM
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Ya, but you're an old fart like me Beenaway. That's why we get the good rates. Even with a perfect driving record younger people (teens and twenties) pay through the nose or their parents pay through the nose for insurance. Some of them can't even find a company to cover them. It's hard to argue with the statistics and insurance companies have to make a profit to stay in business...but I still feel bad for younger rodders who invest a lot of dough in their rides...and then they can't drive them.
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Old 07-26-2005, 10:18 PM
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Quote:
Originally Posted by guba_unus
hey, I feel your pain. I'm almost 23, with only 2 tickets on my record. But the collector places didn't care about my record. They focused on these points:
1. My primary vehicle isn't titled in my name, so they felt that i didn't have a primary vehicle.
2. I share insurance with my parents so they felt that I didn't have a primary insurance policy.
3. They felt that my 5000 miles a year was too much to drive the car. They couldn't understand that I would drive my car to a midwest car show instead of trailering it.

Like everyone suggests here, until we're 25. Insurance companies don't care about us. I hope you find something that works out.

yeah i agree it sucks.. but what did u do bro?
It won't be much of a problem insuring a riviera on our current policy, i just didnt wanna pay the regular price if im not gonna drive it regular --OR-- it might have helped me cut back on wanting to drive, thuis putting miles on it, more often, IF i had classic insurance.. coz u know im gonna wanna drive this car all the damn time.. lol

I just put a deposit of 300 on it today, and tomorrow morning im going back to pay the difference... probably have it insured and on the road tomorrow (Weds) or the next day..

anyone have any idea how big of a gas tank a 71 Riv has in it? lol
better be big enuff.


Thanks for info, I'm going to insure it with AIG like we have right now, and in the comming weeks or.. after the first 6 mos. is up, ill go looking at AF or SF. .. does anyone else on this site have one? I haven't heard much about them (71-73 Rivs)
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Old 09-12-2005, 03:43 AM
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Quote:
Originally Posted by Beenaway2long
I pay $275 a YEAR for the 65 Chevelle and 71 Nova combined. Total value at $45,000.00
There's restrictions, but I don't think I could ever REALISTICALLY WANT to park it at a mall, or take it to the grocery store where I would leave it unattended. Just couldn't do it!! I'd never leave it outside overnight either.
Beenaway,
Who do you have insurance with?
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Old 09-12-2005, 08:55 AM
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I've had Classic tags on my green Caprice since I was 16. I have the car insured through All-State. I pay $240 a year, the car is insured for $5000.
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Old 02-01-2006, 04:18 PM
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State Farm has been mentioned here a few times. I checked with my local agent (I have my homeowners with them) and was told that they don't do classic/antique insurance any more. What's up with that?
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Old 02-01-2006, 06:08 PM
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Quote:
Originally Posted by chev38
State Farm has been mentioned here a few times. I checked with my local agent (I have my homeowners with them) and was told that they don't do classic/antique insurance any more. What's up with that?
Sounds like you need a new agent, mine says it hasn't changed.

I've been through State Farm for Classic/Antique insurance for almost 2 years now.
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Old 02-01-2006, 08:50 PM
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$225 a year for $25,500 replacement value on the 53 hardtop. That includes 2 free flat-deck tows a year, up to 50 miles each. Haven't needed 'em yet, knock, knock, knock-on-wood...

With who? Hagerty http://www.encompassinsurance.com/products/hagerty/
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