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Michael Bolanos 04-12-2006 05:46 AM
Insurance needed
 
:CRY: Need Insurance. I'm paying 1,500.00 a year to State Farm for my Lone Star Replica. Does anybody have a suggestion of who to call.

lnfletcher 04-12-2006 06:18 AM
Try one of these:
http://www.rallyinsurance.com/kitcar.html
http://www.jctaylor.com/modified.html
http://www.americanhobbyist.com/

mrmustang 04-12-2006 06:26 AM
How old are you?
Married or Single?
Any tickets or accidents in the last three years?

Yetiman 04-12-2006 07:13 AM
Might have something to do with where you live too, ida no.

I can tell you that in spite of being 40 yrs old, single, in a moderately large city (but with a good driving record and 5 other cars insured with them) State Farm gets a small small fraction of that to insure my Cobra.

rdorman 04-12-2006 08:09 AM
Me, State Farm, 50K agreed upon value, no restrictions $96 a half.... with no other insurance carried by State Farm. Just for fun, I called a few other State Farm agents for a qoute. The closest was more then three times the amount. You need to find the right agent that knows what they are talking about. Do try the agencies some one listed above. The year the car is titled seems to some times effect the price as well.

Burnd 04-12-2006 11:00 AM
You're getting ripped off.
 
Quote:
Originally Posted by Michael Bolanos
:CRY: Need Insurance. I'm paying 1,500.00 a year to State Farm for my Lone Star Replica. Does anybody have a suggestion of who to call.
Infletcher's first link is the best deal in town. This outfits outstanding. You will have to settle on an "agreed" value to the car but the restrictions are minimal with pleasure driving allowed. I just got my bill and haven't opened it but it's usually around $380 per year. I've had them for 3 years. I researched over a dozen of these outfits and most of them are nuts. By the time you get past the exclusions; you can't drive the car. Although I have at laround $50k in the car since I first signed on, I think we agreed at $35k at the time because it was manufactured in 1979. Frankly; the freedom to use the vehicle was more important to me and my liability is $100/300k because it has to match the coverage of my family vehicles. I sent them CD pictures and a verbal agreement was confirmed in writing.

Bernie

xlr8or 04-12-2006 11:22 AM
I have Statefarm with an agreed value and no driving restriction and it's just under $1000 per year.

Glen 04-13-2006 03:41 AM
Ins.
 
rdorman,
Your agent, what did he/her wright it under?
Is there a Statefarm number or a code the policy
is listed under? Where in his/her books did they find
your perticular policy? $200 a year, no restriction and
$50k agreed sounds good. Agreed value bothers me a
bit, I would try accual value.

Glen B.

rdorman 04-13-2006 07:21 AM
Quote:
Originally Posted by Glen
rdorman,
Your agent, what did he/her wright it under?
Is there a Statefarm number or a code the policy
is listed under? Where in his/her books did they find
your perticular policy? $200 a year, no restriction and
$50k agreed sounds good. Agreed value bothers me a
bit, I would try accual value.

Glen B.
It is written under there classic car coverage. Agreed upon value is what you want. Actual value coverage will involve depreciation at the time of loss. This gets and adjuster involved and they can make the determination of the value of the car post loss. Not generally a good thing. Agreed upon value they just say 'totaled' and write you a check... in my case for $50,000. 250/500 deductables.

Don 04-13-2006 08:21 AM
Another alternative:

Collector Auto Insurance
American Modern Home Insurance Company
POB 5323
Cincinnati OH 45201-5323
800-543-2644

Agent: Michael Smith
NorthEast Classic Auto Ins
PO Box 287
Monroe CT 06488
800-866-6440
203-459-9789


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