03-03-2003, 05:17 AM
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CC Member
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Join Date: Apr 2001
Location: Fort Worth TX USA,
TX
Cobra Make, Engine: Lone Star Classic Competition #56, 425HP Lingafelter 428 Cobrajet
Posts: 75
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Not Ranked
It all depends on the agent
AllState gives me no grief at all knowing my Cobra is not my primary everyday-to-work vehicle and I do not have a bad driving record. AllState has not placed any limits on coverage for me. My Cobra is insured no different than a production sports car. My Cobra is insured for full replacement cost. All the agent wants is a picture, a parts lists and paint/labor cost (essentually a turn-key pricelist). I tend to think that it is up to the agent whether or not (or at what level) to insure the car for the person's driving habits.
I have not had any experience with other insurance companies, and would change insurance companies if I were treated in the ways you describe.
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