Insurance?

Janey and I were talking the other day that when I get Big Blue on the road again he needs to have better insurance than what State Farm offers.  They, and most automobile insurance companies, just insure it for "replacement value" and don't take into account all the "upgrades" that have been done.

I've read that "classic vehicle" insurance is the way to go, like maybe Hagerty, as they appraise the vehicle and take into account what it is/has.  So some questions for y'all:

1. What "classic vehicle" insurance do you have?  Or, if you don't have it yet, what have you considered?

2. What was the process of getting it?  How did you get your appraisal?

3. What are the restrictions on it?

I am currently looking for the same thing. My insurance is through USAA and my agent is looking for information about what they call their vintage program. I will update as I get more information.

Thanks, Steve. I’ll look forward to your findings.

That I will be interested in too as I also have USAA. I do have full coverage including a $100 deductible on the windshield replacement. They will also, if I have a small stone chip cover a repair for that, and then if the windshield needs replacement later waive the deductible.

Once the "project" is on the road, I will definitely want the low deductible and windshield coverage. $1395 + $90 for installation.

In VA I can put antique tags on, but then become very limited in mileage, but no inspection. When I had Matt's Corvair on the road, I had a set of 1965 VA plates that I had our paint lab blast and paint with basically Imron so it wouldn't chip or discolor. We had to do the numbers and 19 VIRGINIA 65 by hand.

Bill, In az we also have antque plates. Problem is if you put them on it cant be a daily driver and you can not drive it between sundown and sunup. I have a vetrens plate on the Bronco.

I have hagerty on my 80 toyota.

Its a piece of junk compared to everyones bullnose and it has been garaged for a year, 2 by the time I get busy patching it together. So I have not gone thru the appraisal process.

Mostly they want pictures of your vehicle.
And they want to know how it is garaged or stored.

I inquired abt my old suzuki and they did not classify it as a classic but said if I could provide proof of some car club they would be willing to deem it a collectors item.

In general, the person I spoke with was great but all I wanted was basic service to keep my vehicle registered and street legal. They were pretty open about discussing the different options and I imagine if you showed them some sale prices from Bring a Trailer or any auctions, they could value your vehicle accordingly.

They are specialists in classic vehicles and understand what types of vehicles are increasing in value, so I expect them to be very open to the bullnose. They asked me no questions abt my toyota.

Also, know that most other companies selling classic car insurance are repackaging Hagerty policies. I cant say specifically which companies, but I have a buddy who had such a policy.

Another thing to keep in mind, for anyone who daily drives their bullnose, this may affect their decision to cover you. The insurance is designed mainly for car show and sunday cruise kind of vehicles.

This is purely what I recall from a couple years ago so take it all with a grain of salt.

Also, this insurance can be ridiculously affordable...

old55pete wrote

Bill, In az we also have antque plates. Problem is if you put them on it cant be a daily driver and you can not drive it between sundown and sunup. I have a vetrens plate on the Bronco.

What?! 🤷‍♂️ I bought the copper “Historic Vehicle” plates for my ‘81 and was told that it just needed to be 25+ years old and that I had to be willing to pay the extra registration cost. Never any mention of restrictions (or benefit exemptions) for having these plates. I’ve had these plates for 3 years and never been pulled over for driving at night. They gave me two plates, but told me the front is optional.

Ford F834 wrote

old55pete wrote

Bill, In az we also have antque plates. Problem is if you put them on it cant be a daily driver and you can not drive it between sundown and sunup. I have a vetrens plate on the Bronco.

What?! 🤷‍♂️ I bought the copper “Historic Vehicle” plates for my ‘81 and was told that it just needed to be 25+ years old and that I had to be willing to pay the extra registration cost. Never any mention of restrictions (or benefit exemptions) for having these plates. I’ve had these plates for 3 years and never been pulled over for driving at night. They gave me two plates, but told me the front is optional.

Did you see he in not in the USA.
Also if in the USA I think it goes by the state DMV as to the restrictions placed on the plate and why I did not get one for my truck and same goes for insurance and restrictions.

I have Hagerty Insurance on my truck that I got thru my agent. All I told them was what I had and the work I put into it that the normal run of the mill insurance would not cut it.
A few days later they called be back with prices and what would be covered, etc. I was happy and told them go for it.

I did not have to take the truck to anyone or have them come look at it or even send pictures, it's not like I don't have any

There is no restrictions from DMV as I have normal plates and vary little restrictions from Hagerty as they say "You want to show off your pride & joy and we want you to so drive it!" and I have.
I cant remember if they wanted it in a garage but it is and locked when at my house but at work it is in the parking lot with the rest of the guys trucks & cars.

Mine is insured for $11,000 and I can up that if I want at any time. I can also insure any extra parts I have for the truck, I did not.
If the truck is totaled, hope that never happens, I can have it back to do as I want with it.
I am happy that I can drive it any time and any place not just weekends and to / from shows only.
Dave ----

Just putting out what I was told by MVD and by a neighbor that is a State Trooper. I was helping him with his Ford 9N and we were talking about and he told me about the restrictions. There is another guy in Chino valley that works at Charter Materials that has an 84 F250 4X4, 460 and a C6 that had those plates. He took them off because he got a ticket for driving it after dark. Nice pickup, red, white and blue with a flat bed.

Dave, I am in the USA and I live in Arizona same as Ford834. He lives out by Kingman AZ and I live by Prescott Valley AZ.

old55pete wrote

Dave, I am in the USA and I live in Arizona same as Ford834. He lives out by Kingman AZ and I live by Prescott Valley AZ.

Why did I think like down under? that would be NZ no?
Never mind carry on

Yep them fancy old plates you have to watch out for and I am sure they go by state on the type of restrictions.
I guess some of the cruse inns would be out if they start late as you would be out after sun down.
Dave ----

It's ok Dave, we all have those altezhimers(  spelling ) moments. The good thing is that we get to meet new friends every day. We can wrap out own Christmas gifts and hide our own Easter eggs.

old55pete wrote

It's ok Dave, we all have those altezhimers(  spelling ) moments. The good thing is that we get to meet new friends every day. We can wrap out own Christmas gifts and hide our own Easter eggs.

I was out in the garage earlier and it was 96* when I walked in and I had all the doors open for hours before ...... yep that my story and I am sticking to it
Dave ----

Got it, It was 69 when I got up at 5am. When the sun came up I went out to work on my AC in the Bronco. Around noon it hit 101. You guessed it, I am in the house enjoying some AC and will finish it after it cools down some.

I was also working on the AC on my truck.
Think I got the hoses figured out but the belt is a whole other issue
I just moved the truck back to the house garage and the Javelin into mine and closed it up before the storm hits and the temp was 98*+
Dave ----

Gary,

I am with Hagerty for Classic Vehicle insurance...just new to me this summer. Judging by Dave's comments above, it sounds like maybe they do things differently up here...I don't know. We also have Antique Vehicle plates which have their own set of restrictions, but the plates and insurance are not connected here at all (and I know they are in other places, even here in Canada.)

For me personally, there are a couple good and bad things about Hagerty, so my feelings are mixed at the moment, and I'm not 100% sure that I will stay with them. Over the phone they said my truck had three possible values for good, better, and best...I forget exactly what they were, but it was like $10k, $20k, and $30k. I ended up insuring it for something like $23,000 and that covers me for everything.

As for qualifying, all I really had to do was fill out a form and send them pictures of the truck.

What I don't like are the restrictions...

The way it was explained to me is that the insurance is meant for taking the vehicle to car shows, and casual drives.

They told me I could not install a trailer hitch, and I cannot haul anything in the bed. The truck cannot be used for any kind of work. Those things don't bother me as I had no plans to do any of those things anyway. However, the one catch that does bother me is that I'm not supposed to take it to my work...as in no commuting. I would rarely take it to my work, but once in a while on a sunny day I'd like to. They put a note on my file that pre-approves me for Thursday since I often take the truck out for classic car night, and it is not so far from my work. I usually DO drive the 20 miles home to get the truck, but I don't have to on Thursdays...lol.

They said traveling to a car show...even to Skiatook is no problem, as long as I let them know.

So, while I don't like the restrictions...I do like the coverage in the case the thing were to burn to the ground or get stolen.

I paid for the whole year already but I'm going to look at other options for 2021.

Gary,

If you go to the Hagerty website, you can fill in your truck information and it will generate an online appraisal with price trending, etc. That is what they use to appraise it...but anybody has access to it.

I just bumped mine up a little bit. I took the middle value and added 10% or something like that, which bumped the premium accordingly.

Cory - I've already tried to get a quote and got this: "Based on the information provided, your application does not qualify for our program at this time. If you have any questions about this result, please call us at 877.922.4951 referencing the quote number 75032187."

I told them it is an '85 F250 RCLB 4x4 w/a 460 with 360 HP, will be driven 5000 miles/year and be used for offroad & towing.

And these were the price options, and I picked Excellent/$16,000.

#1 Concours  #2 Excellent  #3 Good   #4 Fair
   $23,700          $16,000     $8,900     $4,300

I'll call them on Monday and see what the deal is.

Interested in this also. I looked into a few options but since Camano is my daily driver, none of them really worked out. Ended up sticking with progressive but added a stated value for the truck. Sadly it made the insurance $10 higher (6mo) than my wife's 2020 Explorer  

The Hagerty site isn't making any sense to me.  It didn't give me any place to discuss some rather expensive options, like the new ZF5 and the D60 up front.  They are just assuming it is a box stock '85 F250.

I'm really confused.  Years ago I remember having talked with an insurance company that wanted to know all of those details.  I'm going to have to do some more research.