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insurance question reg or classic car #736149
May 10th 2018 10:56 am
May 10th 2018 10:56 am
Joined: Nov 2012
Posts: 837
READING ,PA
OldReadingGus62 Offline OP
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OldReadingGus62  Offline OP
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Joined: Nov 2012
Posts: 837
READING ,PA
[b][/b]anyone get classic car insurance reg full is going to cost me 431.00 per year classic 1100.00 yr 25,000 coverage is it really worth it ... since reg insurance will only pay book if totaled , but classic will pay cash value what i have into it so far ... any thoughts !!!


Greeting From Reading,PA....Found My First 70'S STREET VAN....Always Wanted One Since i Was a Teen But Could'nt Afford, Hope i Can Now LOL... It Was a Great Era To Grow Up In The Music,Cars,Parties
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Re: insurance question reg or classic car [Re: OldReadingGus62] #736153
May 10th 2018 1:28 pm
May 10th 2018 1:28 pm
Joined: Sep 2013
Posts: 734
Indiana
tuner4life Offline
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tuner4life  Offline
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Joined: Sep 2013
Posts: 734
Indiana
Also interested in this.. Just finishing up my restoration and really don't feel like getting a $2500 payout if something happens.


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Re: insurance question reg or classic car [Re: OldReadingGus62] #736159
May 10th 2018 2:53 pm
May 10th 2018 2:53 pm
Joined: Oct 2013
Posts: 84
Illinois
1
1959 Offline
journeyman
1959  Offline
journeyman
1
Joined: Oct 2013
Posts: 84
Illinois
This may not work in your state but...

If it is 25 years old or older, license it as an antique, get an appraisal and insure it for a high but logical amount. Take lots of pictures often. Drive it wherever and if it gets wrecked, you were probably on your way to the repair shop or to an auto evant.

Make sure you understand the difference between "Agreed Value Coverage" and "Stated Value Coverage" because they are very different. One will pay you the $2,500 and the other will pay you $25,000.

Good luck.


Re: insurance question reg or classic car [Re: 1959] #736231
May 12th 2018 2:46 pm
May 12th 2018 2:46 pm
Joined: Nov 2012
Posts: 837
READING ,PA
OldReadingGus62 Offline OP
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OldReadingGus62  Offline OP
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Joined: Nov 2012
Posts: 837
READING ,PA
yea thats classic coverage but costs twice the amount i have a total restoration van now / except interior any body else !


Greeting From Reading,PA....Found My First 70'S STREET VAN....Always Wanted One Since i Was a Teen But Could'nt Afford, Hope i Can Now LOL... It Was a Great Era To Grow Up In The Music,Cars,Parties
Re: insurance question reg or classic car [Re: OldReadingGus62] #736251
May 13th 2018 2:30 am
May 13th 2018 2:30 am
Joined: May 2007
Posts: 9,769
On Route 66 in Bethany Oklahom...
Uncle_Fester Offline
Festerus Vannimus
Uncle_Fester  Offline
Festerus Vannimus
Joined: May 2007
Posts: 9,769
On Route 66 in Bethany Oklahom...
My van is a basic 1994 cargo van, nothing fancy as of yet, so I just carry State Farm liability insurance at a 100/300/100 coverage amount, plus uninsured under insured at the same amounts, costs me $40/mo for the van.
Me being a retired EMT, and my wife doing medical billing, we have seen the results of not enough coverage, and we feel that our states 25/50/25 requirement is way too low. Cover Your A** !
As for the Stated Value Insurance, you should be able to get a better price than that, check with a few “regular” insurance companies as well as some companies that only do Speciallity Insurance.


My van :
1991 Dodge B-250 (Junk Yard Dawg)
5.2 tbi V8, auto trans, and junk yard parts....


Founder & President of Sooner or Later United Truckers and PROUD TO BE A S.L.U.T. ! !
Re: insurance question reg or classic car [Re: Uncle_Fester] #736259
May 13th 2018 12:21 pm
May 13th 2018 12:21 pm
Joined: Nov 2012
Posts: 837
READING ,PA
OldReadingGus62 Offline OP
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OldReadingGus62  Offline OP
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Joined: Nov 2012
Posts: 837
READING ,PA
oh yea reg policy is 100/300 full across the board , but im interested in stated value, in pa only 1 major insur. does stated value , have to check on specialty company's thanks


Greeting From Reading,PA....Found My First 70'S STREET VAN....Always Wanted One Since i Was a Teen But Could'nt Afford, Hope i Can Now LOL... It Was a Great Era To Grow Up In The Music,Cars,Parties
Re: insurance question reg or classic car [Re: OldReadingGus62] #736268
May 13th 2018 2:11 pm
May 13th 2018 2:11 pm
Joined: May 2007
Posts: 9,769
On Route 66 in Bethany Oklahom...
Uncle_Fester Offline
Festerus Vannimus
Uncle_Fester  Offline
Festerus Vannimus
Joined: May 2007
Posts: 9,769
On Route 66 in Bethany Oklahom...
Look in Hemings Motor News for specialty companies, when I had Wolf-Den, that’s where I found her insurer, sorry, forget their name.


My van :
1991 Dodge B-250 (Junk Yard Dawg)
5.2 tbi V8, auto trans, and junk yard parts....


Founder & President of Sooner or Later United Truckers and PROUD TO BE A S.L.U.T. ! !
Re: insurance question reg or classic car [Re: Uncle_Fester] #736343
May 16th 2018 3:12 am
May 16th 2018 3:12 am
Joined: Nov 2012
Posts: 837
READING ,PA
OldReadingGus62 Offline OP
old hand
OldReadingGus62  Offline OP
old hand
Joined: Nov 2012
Posts: 837
READING ,PA
Originally Posted by Uncle_Fester
Look in Hemings Motor News for specialty companies, when I had Wolf-Den, that’s where I found her insurer, sorry, forget their name.

thanks


Greeting From Reading,PA....Found My First 70'S STREET VAN....Always Wanted One Since i Was a Teen But Could'nt Afford, Hope i Can Now LOL... It Was a Great Era To Grow Up In The Music,Cars,Parties
Re: insurance question reg or classic car [Re: OldReadingGus62] #736352
May 16th 2018 9:09 am
May 16th 2018 9:09 am
Joined: Dec 2001
Posts: 3,177
Connecticut
OVANNER Offline
pooh-bah
OVANNER  Offline
pooh-bah
Joined: Dec 2001
Posts: 3,177
Connecticut
I use Hagerty but they are tough on allowing vans. Mine is not a daily driver which they frown upon and It needs to be custom to them.


1973 Dodge Shorty B-100

Life should not be a journey to the grave with the intention of arriving safely in a well preserve body,
but rather to skid in broadside in a cloud of smoke, thoroughly used up,
totally worn out, and proclaiming

"Wow What a Ride"

Johnny O
"O Vanners" of Connecticut! Since 1982


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