Antique Auto Insurance?

[fdnyguy]

Guess the only good thing to getting older is less on insurance...lol

For a 2009 Jetta, 2002 Ford F-250 (both with full coverage) I pay $2600. The 89 (now off the road) with just liability was another $900.

Hagerty classic insurance quoted me on a 1980 Mack fire engine and a 1964 Checker cab at $205 per year. Which will obviously increase as they are restored. Checker will be a nice Easter present to me.. lol


Stay safe, stay well. Jimmy.

[Turbinepowered]

Dang, folks....

I carry well over the minimum insurance (all liability, personal injury and property damage) and only pay $45/month.

'course, I'm 25, professional driver, and have an annual defensive driving certification through work. Ten years with a single claim and two tickets (too fast for conditions w/ accident involved the day I turned 18, and a speeding ticket that was reduced on the spot... cool story behind that one. ).

[maxfax]

Hagerty and J.C. Taylor are awesome for cheap insurance on a classic vehicle..  Might pay to see if they (or something equivalent) is available up there...  Not to mention they are much better with handling a claim on a classic vehicle than your regular run of the mill auto insurance.. I'm in the process now of changing a few of my toys over to J.C. Taylor as I have too many vehicles for  single policy...

[fdnyguy]

Hagerty and J.C. Taylor are awesome for cheap insurance on a classic vehicle..  Might pay to see if they (or something equivalent) is available up there...  Not to mention they are much better with handling a claim on a classic vehicle than your regular run of the mill auto insurance.. I'm in the process now of changing a few of my toys over to J.C. Taylor as I have too many vehicles for  single policy...

You have any more room? I'm running out of room..

[maxfax]

It's getting close..   I ran outta places to put them all under roof years ago..  Then there's the future projects and parts cars yet...  Thank goodness mom and pops have a farm and are reasonably understanding...

[fdnyguy]

It's getting close..   I ran outta places to put them all under roof years ago..  Then there's the future projects and parts cars yet...  Thank goodness mom and pops have a farm and are reasonably understanding...

I hear ya. Driveway has the 2009 VW. 2002 F-250, 1999 Suburban, and a 1983 Buick Riviera my stepdaughter acquired for free from a family friend.

In the back is the 1980 Mack fire engine, my 89 Jetta, my soon to arrive 1964 Checker, and a 1967 Camaro drag car in the garage (for sale!!).

Once the Camaro is sold and garage is cleaned out, it will leave me a bit more space. Wife says I married her for yard space. Nahhhhhhhhhhhh.

Stay safe, stay well. Jimmy.

[ein bora]

Hummm....good thing I live on a farm I guess. Starting at the top -
2009 Tiguan
2003 Canadian Anniversary addition jetta (my baby)
1999 beetle
1998 jetta gt
1996 golf td diesel
1996 jetta GLS
1995 golf 2.0 x2 of them
1994 jetta td diesel - daily driver
1992 euro van - (present project)
1986 golf td diesel

non vw's -
1997 ford F350 4x4 7.3 diesel
1985 audi 5000 td diesel
1974 dodge dart
1973 dodge dart
1968 dodge dart

[maxfax]

Having a farm is good indeed!!! Havening understanding parents with a farm is equally as good.. I raise free range VW's  in the one pasture..

1981 Rabbit x2
1998 K2500 Diesel
1999 Crown Vic PI
1992 F-250
1993 Caprice Wagon
1977 Dodge Aspen Slant Six Turbo
1975 Lincoln Mark IV
1975 Olds Delta 88 Convertible
Then there's the '66 and '68 Harley Golf carts.. They work, and they get driven on the road occasionally.
And also 2-45 White tractor, the Oliver OC-96 crawler and about 2 dozen various parts vehicles..

And I went to look at a diesel Caprice wagon tonight why???

 

[mystery3]

Insurance sucks until you need it right? If you own anything, property, business etc you want to carry enough to cya.

I carry a good amount of coverage 250/500/250 on three vehicles 2010 WRX, 1969 Bug, 1981 Caddy with my homeowners policy it's about $120 a month. I'm 31 and my wife is 30 with clean records and not a lot of annual mileage.

[clbanman]

One thing you want to be careful about with classic car insurance is allowable uses.  I looked into classic insurance for my 67 Galaxie, and the restrictions they would have put on the policy would have made it so difficult to actually use the car I just went with regular insurance.   Examples: I would not have been able to take the car to work, park it in a lot at the mall, or basically any driving other than for shows, cruises or organized events with a car club.  You could lie to the insurance company, but you really don't want to get caught after something has already happened and you need the insurance.  Losing the car and getting your insurance declined at the same time would not be fun.   I am not sure if it is an option, but ask your insurance company if you can have the car insured for replacement or declared value as opposed to just appraisal value.  Mine was appraised lower than replacement cost, but the insurance company let me pick a (reasonable) number for actual insurance and so I pay premiums on that number.

8V - if the car is not currently registered, Ontario will require an appraisal prior to registering the car.  With an older car the insurance company will also require an appraisal.  If you need both I would check to see what each requires so that one appraisal covers both.

[8v-of-fury]

I need a farm! TWO RABBITS I want to get but can't.. why?!? NO ROOM! Ugh.

Clbanman, ty very much, I am aware of the appraisals as both 84's needed them prior to registering. I had a friend tell me about AXA insurance in Ontario, and that they offer many good discounts for younger drivers with a squeakily clean record, such as myself. Get a discount for being young and clean, discount for low miles, discount for young drivers, discount for two vehicles, and a discount for something else... All in all it should work out to a good chunk off! I didn't have time to phone them before their offices closed sadly, but I will for sure tomorrow.

I was thinking of just getting plain-jane insurance on it, and only get about 1000kms a year, as I'm sure it will never see more than that.. what with getting 6-7mpg... and really its only worth $2000.. and that's pretty much just the drive train.. Crash it? who cares that small block will swap in to any other ford I wanna drop it in, maybe one of those mid-late 70's mustang II's like you have Brett, that you didn't include in your "farm list" lol.

I understand what your saying about the survival rate in a rabbit/jetta that is gonna crumple around you, as opposed to a full frame Chevy caprice that can last 6-8 rounds in a demolition derby and get it self on the trailer... I still can't see how they could quote me last year at 19 in a 1967 with upwards of 350 ponies for 10-15000kms a year only $36-3700

Thanks all for the HELP!

[maxfax]

I lumped the Mustang II's in with the parts cars.. The one I used to drive has the roof broken loose at the A-posts and the doors don't work so good any more.. Th subframe connectors seemd to only be good for bottoming out.. Another is a good shell that I've always been going to use for a rebuild..  And the other 3 are parts plain and simple..  Be glad you don;t have a farm, you'd end up like me.. A whole bunch of potentially nice cars that are wasting away sitting and waiting.. 


Plane jane insurance is really the way to go if you want to enjoy the car..  It cost's more but is much less hassle.. One other restriction (maybe this is PA only), if you get caught say speeding, doing donuts, drifting though intersections, etc they can and will revoke your registration for a year.. And you have to go through the whole process (fees and all) to get the antique status back....   Ask me how I know.... 

[fdnyguy]

Hummm....good thing I live on a farm I guess. Starting at the top -
2009 Tiguan
2003 Canadian Anniversary addition jetta (my baby)
1999 beetle
1998 jetta gt
1996 golf td diesel
1996 jetta GLS
1995 golf 2.0 x2 of them
1994 jetta td diesel - daily driver
1992 euro van - (present project)
1986 golf td diesel

non vw's -
1997 ford F350 4x4 7.3 diesel
1985 audi 5000 td diesel
1974 dodge dart
1973 dodge dart
1968 dodge dart

I'd have to win the lottery to top this list!!!!! 

[Rabbit on Roids]

dayyyyyyyyyum, if my car were worth 3 figures i'd want good insurance too...

the cougar isn't worth more than 2100 to me, which is what i paid for it lol.

thats because its a ford. if that thing had a fire breathing big block chevy under the hood it would be worth more.

built ford tough with chevy stuff!

Is that all you ever think is chevy chevy chevy?

actually, at heart, im a toyota guy. i know more about 22r's than any other engine on earth.

but my biggest love, is VWs.

i actually dislike chevys very much. i like chevy engines and transmissions, thats about it. fords are a better truck than chevy, but chevy has a better engine/trans combo. and dodge has the cummins. its all about personal taste. and personally, i think chevy engines taste better than fords or dodges. lol.

sorry im a page late on the response, but i had to.