Insurance choices.

TheNuker

Well-Known Member
#1
Hello Everyone,

I am starting to look for insurance, What options have you all found to be the most cost effective?

Thanks,
Nuker-
 

RichN

Well-Known Member
#2
I have already asked AAA and they will do the same as my motorcycle and have Progressive underwrite the policy.
I can't get a quote until I have a VIN
 

JSATX

Well-Known Member
#3
Initially I went to Hagerty, they quoted $650. Then I called up Lonny's guy who insured me though South & Western General Agency for $250.

Not an endorsement, just my experience. I have no idea what kind of claim service they provide, and hope to never have to find out!
 

Andy

Well-Known Member
#4
I called USAA and they will write a policy for a kit car. Funny thing is the cost of the policy was equal to the cost of insuring the cobalt while I drove it around. Cost was about 400 a year.

One tip after the donor is not operable you can call your insurance to have them mark the car as inoperable which will decrease the cost to insure but they still cover the car if the parts are stolen or the house burns down.
 

TheNuker

Well-Known Member
#5
The problem I'm running into is the "Classic Car" insurers all have clauses that prohibit driving the car to the store to work anything at all. So that is kinda dis-concerning.

Nuker-
 

JSATX

Well-Known Member
#6
The problem I'm running into is the "Classic Car" insurers all have clauses that prohibit driving the car to the store to work anything at all. So that is kinda dis-concerning.

Nuker-
That's kinda the defacto standard of classic or low mileage insurance.

Mine has all the usual "car show only" language as well but in that same paragraph it says "and occasional pleasure use" which is kinda a catch all as far as I'm concerned.
 

TheNuker

Well-Known Member
#9
I'll check for that occasional pleasure use, I mean they would not be able to check how often it was used to go to the store or work I would assume. I'm also going to price a normal policy through my regular insurance for liability, because none of these insurance cover track use anyway. I'll still have to buy 1 day track insurance per instance.

Nuker-
 
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RichN

Well-Known Member
#13
Just insured mine with Heacock Classic in FL $284 / yr. stated value $20,000
I had them previously for my pace car that I just sold this summer.
Some restrictions but not unreasonable; only me and my wife can drive it up to 3K miles/yr ,can't commute to work, and must be garaged at night.
 

TheNuker

Well-Known Member
#14
Just insured mine with Heacock Classic in FL $284 / yr. stated value $20,000
I had them previously for my pace car that I just sold this summer.
Some restrictions but not unreasonable; only me and my wife can drive it up to 3K miles/yr ,can't commute to work, and must be garaged at night.

Yep that's the reason I went regular insurance, I want to drive it to work and everywhere else. I've already got 3800 ,isles on it since July!!!

Nuker