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Old 06-11-2007, 11:23 AM
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Insurance

Where do you guys/girls have your cars insured with? I have a 1927 T-Bucket and was looking for a GOOD and Cheap insurance company. Thanks

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Old 06-11-2007, 12:28 PM
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I recently got a very good quote from Northeast Classic Auto Insurance. I believe they are in Connecticut. I have been with Hagerty the last two years for both of my cars, including a T-Bucket.
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Old 06-11-2007, 01:05 PM
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Thanks I'll have to go ck them out!!
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Old 06-11-2007, 01:06 PM
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I'm just waiting on a quote now
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Old 06-11-2007, 01:17 PM
F&J F&J is offline
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I was just looking around google myself today. I am tring to find a company that has a realistic terms on when you can drive. Everyone I read so far says: NO driving to work, nor as a back up car, or running errands etc. I doubt many people can honestly say they follow the rules exactly? If you find a company with more lee-way, please post it....even if it is a little more cost.
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Old 06-11-2007, 01:25 PM
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That is a good point. I've seen mostly 2,500-5,000 miles per year. But if my T-bucket were more road friendly I would easily surpass that mileage cap.
The last few years I've only put maybe 100 miles on but like I said if it were more road friendly or I had my 1982 Black Corvette w/ground effects with a454 6-71 blower backed by a 6 speed tranny exhaling through a side exhaust. You bet I wouldn't drive it back and forth to work everyday but I would definitely put about 10,000 miles on it easily per year.

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Old 06-11-2007, 01:44 PM
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Well I noticed one company on google that said they had different mileage limits that each cost a little more, like 2500, then 5000, & up to 7000 "for street rods". I guess they figure some rodders hit all the national shows and need the higher one?

But my point is; if you have a non-stressed commute to work and a decent safe place to park, Why wouldn't the average owner take it once in a while?? ...and if you do, you are in violation. Plus a short trip to the 7-11?...why not take the rod instead of the daily sedan...but even that is spelled out as a no-no.

So is most everybody bending the rules? ...the companies must realize that, correct? I'm just trying to be covered, but don't want the car sitting, waiting for a "legal" reason to drive the car.

I saw some that said they allow an "occasional pleasure drive"??? So is that like taking it to go to the 7-11 because it is more fun than a daily driver?? Or are these all legal terms?

What are the rest of you thinking about the rules?
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Old 06-11-2007, 01:58 PM
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I forgot to mention that around here, our local insurance agents that cover homes, apartment renters & regular autos, also are brokers for all the major Collector car insurance companies. And it does not save money buy not using your local agent, as they get a share of the same standard fee.

Plus it's sometimes easier to get a car covered that way, because the local broker has "pull". I had a 63 chev suburban in the original reddish orange paint. I took pics and sent them to JC Taylor and was rejected as "it didn't meet their requirements". I quess it looked like a rod in that color, but it was the original paint! So I was desperate and repainted it a boring color and then went throgh a different company.

I just emailed pics of my latest car this morning to my local agent. Slight body mods that the main company might notice, so I am hoping it goes through.
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Old 06-11-2007, 02:17 PM
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"So is most everybody bending the rules? ...the companies must realize that, correct? I'm just trying to be covered, but don't want the car sitting, waiting for a "legal" reason to drive the car.

I saw some that said they allow an "occasional pleasure drive"??? So is that like taking it to go to the 7-11 because it is more fun than a daily driver?? Or are these all legal terms?"


Yeah I'm "supposed" to just drive my car to car shows but I will drive it to Sonic with my wife or to 7-11 for a bag of ice or something.
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Old 06-11-2007, 05:44 PM
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re:insurance

I have all my vehicles (street rod, 3 antique Harleys, motor home and wifes convertible) insured with Progressive. They offer an "agreed value" policy. I determine how much to insure it for and they give me a price. I also get to choose the amount of the deductible, un-insured motorist, etc. They have never even asked for a pic or an inspection. No restrictions as to how much or where I can drive. Compared to "collector" car insurance, for the money, I am happy. Have only had to file one liability claim in ten years. Only time will tell when and if I have a comprehensive/collision claim.
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Old 06-11-2007, 07:45 PM
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I have Grundy, no limit on mileage, $50,000 value for $300 a year.

Vince
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Old 06-11-2007, 08:46 PM
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Quote:
Originally Posted by 302 Z28
I have Grundy, no limit on mileage, $50,000 value for $300 a year.

Vince
I just got my renewal for Grundy and it states,"Your covered auto"means:Any "collector vehicle"
"Collector vehicle
1. Is maintained solely for use in exhibitions,parades, club activites, ect.
2.Is not used for regular driving to work, school, errands, shopping purposes,ect, except for limited pleasure use.
I'm going to call my agent tomorrow and find out what this all means. I'll let you know what the hell is going on.
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Old 06-12-2007, 06:31 AM
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Hagerty. Cost for full coverage is $300.00 yr. No hassels..
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Old 06-13-2007, 01:29 AM
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Hagerty, Grundy or you can talk your daily auto insurance agent. Me, i did that and they referred me to Hagerty... $215 per yr fer a 23 t~bucket, insured for 12500, miles ?
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Old 06-13-2007, 07:31 AM
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Quote:
Originally Posted by 302 Z28
I have Grundy, no limit on mileage, $50,000 value for $300 a year.

Vince
I also have Grundy have had for the last couple of years there rates beat most others and they have been around a long time but I haven't had to file a claim and hope I don't have to.
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