Does anyone use 'classic car auto insurance'?

[mazdatsun428]

Steve, I have AAA+ also. Ain't it a shame it costs as much as insurance on 1 car? Although, use it for 1 tow, and it pays for itself!

[sblake01]

That plus the fact that you can go to AAA offices for vehicle-related DMV transactions. That makes it worth the cost for me because it keeps me away from the chaos of the DMV office.

[mars23z]

I just got a quote for classic insurance. Full coverage for $10,000 is only about $100 a year. Can only drive 2500 miles per year which is no problem and if you are going to go over that you just call in and tell them. Chris

[janaka]

Hi janaka:

I'm not sure what policy you have - but "stock" most likely does not mean "absolutely original". As with a few other 30+ year old cars, you may have to replace an engine, but as long as you use the same "type" as it originally came with - such that it doesn't change the appearance - it should not rule you out of having Classic, Collectible or Special Interest car insurance.

There are many, many Classic Z Cars with engine swaps, including V8's that are insured on Classic Car Policies. Street Rods, Custom Cars and Replica Cars are also insured on Classic, Collectible and Special Interest Car Policies.

Having a "non-matching numbers" engine will lower the market value of an otherwise "stock" car, and therefore the replacement value of the car. So you would insure it for a lower Agreed Value... Likewise with Street Rods, Custom Cars and Replica Cars - - you just have to reach a replacement value that both you and the underwriter AGREE to.

"occasional driver"... as long as it's occasionally driven "FOR PLEASURE", and NOT used occasionally to replace your daily transportation when your daily transport is in the shop etc.. it can be covered with Classic Car insurance.

At least that's been my experience...

FWIW,

Carl B.

by stock i meant stock appearance. I already have a F54 block in my 280 and different drivetrain, front air damn etc. I am planning a V8 swap which is kinda obvious to not fit under the guidelines of the rules that the company applies that I'm using.

I do in-home sales so I use my car daily, a lot. I use this Z for Friday afternoon calls and saturday calls when things are a little more relaxed and not as busy. My wife will also drive it to her office on occasion. So unfortunately this isn't a "pleasure" car only (although its always a pleasure to drive).

Jason

[janaka]

Janaka - There is a company based out of Toronto/Oakville that insures classic cars that one of our club member uses. I've sent him a note to find out the name of the company for you...

GWGarrard

Much appreciated!

Jason

[zhead240]

i got the wife a 68 mustang coup(390) before my zed. i asks some of my buddies who they use for insurance and they all said lants siver wheel. (for antique and classics) i called and when i notified them that she only ever had one ticket for speeding just recently ( i think it was only for 10km over) they told me they didn't want my business and sugested other companies to try!!!!!! i said " you must turn down quite a few client then." to which she replied no, not really. i went to zhers and not a problem, didn't need an appraisal, emailed the required pics, and cost about $10 a thousand. i can't use it for work or go shopping. the no shopping is because they don't want your car left in a parking lot unattended. when i got my zed, zhers got my business. i don't believe u can get haggert in canada.

[sakijo]

Grundy for me. Haggerty doesn't do business in Hawaii and my primary insurer, USAA, offers Haggerty as their collector car insurer. State Farm advertises heavily, but they don't tell you that you need to insure all your cars with them to get the collector car insurance (expensive). I only pay $199.00 for the Skyline.

[full house]

Actually! for my own opinion, it's not good to have that!It could cost lots for many and waste of time!

[Stickerman]

Haggerty here: 7 Datsun Roadsters, had a claim about 3 years ago. I had the car in NC at Dads house when a pizza guy hit it so hard he pushed it up on the curb. He had no insurance, Hagerty said I could take it to a shop in NC or they would trailer it to Maryland, where I live, if I wanted them to. Dad found a shop in Charlotte, and Hagerty sent it there. I flew back home, and in 3 months they shipped my car back to me. No hassles, no headaches, over $10K worth of damage.

[mazdatsun428]

That was great customer service! I'm going to get my Z insured there, but I've got to get my RX re-titled in my name alone before they'll insure that one there. It seems cars titled in business names must be wholly owned by 1 individual. Our business ownership has 5 sibling/shareholders. Also, if you know, in Md. does 'antique car' status become available at 25 or 30 yrs of age? By the way, good to see another Marylander here!

[Stickerman]

There is no antique in MD, just historic. Cars must be 20 years old or older, and not used for every day transportation. Tags are $51 for 2 years, and no inspection is needed. For an extra $5 you can run a set of tags from the year of the car, you need to have a set of correct year tags and take them to DMV. They will put the number on file as being "attached" to the historic plate, you will need to have the historics in the trunk. I run correct year plates on mine for the extra touch, I have never been stopped even though the tag expired in 196X

[mazdatsun428]

Thanks, for the consise info. DMV dealings are such a pain! Start in line 1.....