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post #1 of 7 (permalink) Old 05-04-2013, 07:30 AM Thread Starter
Join Date: May 2013
Location: NH
Posts: 38
Auto Insurance

My new car will be on it's way soon ...what do you use for auto insurance? Do you use a classic car company like Hagerty, your regular auto insurance etc? Thanks!!
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post #2 of 7 (permalink) Old 05-04-2013, 09:13 AM
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Hagerty is great
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post #3 of 7 (permalink) Old 05-04-2013, 10:31 AM
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I wouldn't use a standard insurance company unless you had a custom policy written to protect your investment.

The valuation of the car is all important. If you have saved every receipt from the time you bought the car and paid yourself minimum wage as an unskilled worker for every hour you spent working on the car then you stand a chance at reaching an equitable value for your cars value. Just keep in mind the more it is worth the more you pay in premiums and will have to adhere to the restrictions laid out in the policy (such as where and how it is parked and how much and when you can drive it).

Many classic car policies require a locking garage to store it in (alarmed if it is expensive enough) and won't let you drive on days that have too high a percentage of rain or at night in some instances. They also limit the number of miles you can drive in a year, etc.

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post #4 of 7 (permalink) Old 05-04-2013, 05:59 PM Thread Starter
Join Date: May 2013
Location: NH
Posts: 38
What do you recommend for a company then? Not really keen on people restricting miles, weather or where it's stored.
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post #5 of 7 (permalink) Old 05-05-2013, 09:38 AM
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Hagerty does not have a mileage limit, but expects it to be driven occasionally for pleasure, not a commuter.

Freedom to enjoy your car
We believe cars are made to be driven. So our policy allows limited pleasure use with no fixed mileage limits. Whether it's a drive on a gorgeous summer day, a trip to the ice cream shop, attending club events or going to shows, you're covered. If you have specific questions about usage, especially if you own a newer vehicle (generally 1990 and newer), we're happy to discuss them with you.
Qualifications for our program include:
Usage: Vehicles should not used for daily transportation.

Storage: Vehicles must be stored in an enclosed and secure structure.

Regular-use vehicles: Every driver in the household must have a regular-use vehicle for daily transportation.

Driver eligibility: Generally, one or two minor traffic violations or accidents per household are acceptable.

You want a policy that has an "agreed value", not "stated value". The specialty classic car insurers will be doing "agreed value" whereas your regular insurance companies probably will not. Regular insurance companies value the car by their book values, which do not take into account all the expensive work you have done to your car, just what it could sell for (in the best case).

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post #6 of 7 (permalink) Old 05-07-2013, 01:44 PM
Join Date: Jan 2007
Location: Lewisburg, Ohio
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I have Hagerty and have no complaints. Ive driven my 65 convertible from Ohio to Daytona, Florida and Reno, Nevada.
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post #7 of 7 (permalink) Old 05-17-2013, 11:53 AM
Join Date: May 2013
Location: CT, USA
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Originally Posted by dcairns View Post
Hagerty does not have a mileage limit, but expects it to be driven occasionally for pleasure, not a commuter.
As far as I know Hagerty specializes in collector's car which is not a daily driver.

There are other insurance companies out there where you could choose from. You might want to check out this link and get an online quote of how much insurance do you really need then after that choose a good company that you prefer.
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