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General Information => General => Topic started by: 8v-of-fury on March 29, 2010, 10:51:30 am
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So after 5 years of owning and never driving it legally ;)... I want to get my '67 Cougar on the road this year. However all the policies i look at are completely asinine.
MUST have 10 years with a G license
MUST be stored in a locked private garage
MUST not be used for anything other than going to mechanics and shows.
Like really? I've had my G for a little under a year.. I'm screwed..
I asked them for shiggles what it would be to register it as my daily, and it came in at only $200 more a year then my 76hp Jetta ??? I'm sorry I guess 4 doors and an engine under 80hp is more of a terror on the road then a 20 y.o behind the wheel of this:
(http://i299.photobucket.com/albums/mm307/J_holubek/Cougar/Picture7401.jpg)
Anybody got any suggestions of what I should consider here? Maybe register it under my mom and have me as a secondary?
also, I love the new morale around here with a ton of new posts :) Glad Marc got the spam worked out, was gettin a little boring lol.
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Insurance is always a rip off, and if you do get in a wreck they'll try getting out of it......
If you really want to drive it just call it your DD and pay the extra $200, or just hang on to it until you're richer.......
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If you really want to drive it just call it your DD and pay the extra $200
Well it would be easy if it were only an extra $200.. its $200 more then what i pay to DD my Jetta.. but that rings in at $3700/y.. so to drive it maybe once a month... lmao I'm gonna see if my mom can't register it as a classic in her name.
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Insurance is an asinine concept in general, IMO.
I pay much more for insurance on my '85 Golf than my big Jeep which makes me wonder how they calculate these premiums. I should mention that this is for civil liability insurance only. My way of looking at things is that if I break my car it's my money to fix it, if someone else does, it's theirs.
That amount seems really high though. I don't know what difference being in Canada makes (if any) but my insurance is based on stated miles driven and usually they have a very low premium if you drive a car less than 5000 miles per year even if you don't try to claim it's a collectible vehicle. Perhaps you could risk getting liability-only insurance if you only drive it once a week, only on Sunday mornings.
Incidentally I pay around $800/year for everything IIRC. My insurance has been about the same amount since I first got my license 11 years ago, it hasn't gone down but the cost of everything else has gone up.
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Insurance is an asinine concept in general, IMO.
AMEN..
The most expensive vehicle I have on my policy at to moment is the Rabbit.. Actually to date it has been MK1 VW diesels have been the most expensive vehicles for me to insure.. That is versus the K2500, Caprice Wagon, A v8 T-bird and Mustang, big block Buicks, Olds, Lincolns, Crown Vic Police Interceptors, and on and on..
Although I only have liability, Pennsylvania does require some first party coverage such as accidental death and medical.. Upon asking me agent why the VW's cost more it's these first party benefits that make the difference.. If I crash the VW chances are I'm more likely to be injured or killed than in say a Buick Electra.. Passengers fall under the liability so it's a tad higher as a passenger stands a higher risk riding in a motorized Billy Beer can than a land yacht..
Jeremy, not sure how insurance works up there but you may want to check on the min age to operate a classic/antique vehicle.. Some states down here require one to be 21 - 25 years old to do so..
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As your neighbor down south...
We have a thing that you can "bond" a vehicle. It is like insurance, but different. You put up so much money and get so much coverage. I don't know too much about it other than I had a friend do it with his 67 camaro. Something to check into?
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yeah, my '81 diesel rabbit was more to insure than my '01 audi allroad.
I'm pretty sure they base it off of how likely you are to get hurt in the accident instead of any sort of value on the car. Since the audi has side airbags etc they're less likely to have to shell out thousands in medical bills than if I get hit in my rabbit with no airbags... that's what I understood when I laughed at my insurance broker in the face when he told me the price on each.
go figure ::)
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They should consider how gutless slow these things are ::), of course you'd need to keep it a secret if it had a turbo and stuff........
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The gutless slow may make it worse.. Ya know, unable to get out of the way of soccer mom in here speeding crossover...
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THe huge cost he's paying now is actually not too bad for up here. I'm assuming he's a young unmarried male.......... three ways to reduce the insurance bill up here.
1) approved driver's ed course.
2) have lots of experience (read:time as a licenced/insured driver) with no accidents
3)get married
:D
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After five year's working on my project, I had to get it appraised before the insurance company would even consider giving me any kind of adequate coverage on it. The appraisal came in just short of three figures which was considerably less than what I have into it. But still the insurance premium was based on the appraised value and not the book value which is what one wants in the event of an accident. Although the premiums are high on this one compared to my other vehicles, I'd rather pay the higher premiums than have a devastation and be under insured. I have it insured for the months I potentially may drive it, and have the insurance suspended to only fire and theft for the remainder of the year - which helps to keep the costs down.
If I'm not building or working on Volkswagens, it's mopars or no-cars for me!
(http://img.photobucket.com/albums/v518/truszip/Dart%20Pics/clip004-3.jpg)
(http://img.photobucket.com/albums/v518/truszip/Dart%20Pics/clip006-2.jpg)
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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.
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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!
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Do you have any tickets or anything? 3700 seems way too high, although insurance has gone through the roof in the past 2-3 years.
When I was 18 driving my diesel rabbit I was paying $170/mo up in North Bay. Oddly I pay the same for my 89 TD Jetta down in Scarborough 6 years later. ::)
You should try Desjardins or Pilot insurance.
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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?
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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.
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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. :D).
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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...
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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.. ;D
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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... ;D
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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... ;D
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. ;D ;D ;D
Stay safe, stay well. Jimmy.
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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
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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???
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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.
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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.
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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! ;)
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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.... ;D
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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!!!!! ;D ;D ;D
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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.