Classic/Replica Car Insurance

incoming · #1 (**permalink**) 02-11-2021, 06:19 PM

My Unique FIA is titled from Delaware as a 1965 Ford Convertible. She's tagged with an "Antique" tag in Alabama. Alabama doesn't issue titles for vehicles thirty+ years old. Tag chick got info from my title and after inspection put my title in the trash. I almost went over the glass for that piece of paper. She said it "wasn't needed anymore". Anyway I got it.

I'm insured with Hagerty. I'm"stated Value" at "$40k. with $500 deductible. They gave me a little resistance because they are used to seeing guys with huge HP/lb range cars being lent out to friends and wrecked.

Blue66 · #2 (**permalink**) 02-13-2021, 10:41 AM

I have Hagerty now but will be looking for another company after April. Had it with Mike Smith (classiccarinsurance) but the company left the state of NH for some reason.

spdbrake · #3 (**permalink**) 02-13-2021, 03:29 PM

I've used Hagerty and Grundy. Both are quite high compared to Midwest Classic Insurance. Currently my agreed value policy ($55k) dropped from $286yr in TX to $216yr in SC.

twobjshelbys · #4 (**permalink**) 02-13-2021, 03:57 PM

Quote:

Originally Posted by spdbrake

I've used Hagerty and Grundy. Both are quite high compared to Midwest Classic Insurance. Currently my agreed value policy ($55k) dropped from $286yr in TX to $216yr in SC.

Your insurance rate from any company is directly and primarily determined by your zip code. Some areas have high losses. Our insurance rates on the daily drivers increased by 50% going from small town in Colorado to Las Vegas. Surprisingly the GT rate was actually less when I switched to American Modern.