Insuring older vehicles

[88B2EB]

I have insured older cars. I use AAA and have to take it to them so they can look it over and take pictures. If something happens you will have to get comps anyway. I totaled a Harley a few years ago. The first offer was 11k when I was done with comps they gave me 16k for it.

Thanks DR. Will have to give AAA a try. Not even going to try for full coverage with my current company. They really rubbed me the wrong way last time, but for basic liability they seem to be the cheapest around.

 

[Tominator]

it will depend on your state and what type of policies they allow insurance companies to sell.

The most important info so far. Any company is just a front for the underwriters.

Hagerty is nice enough to insure my Ranger because of it's history. Being in a magazine, major sponsers, etc. It is insured way below it's worth for an agreed upon amount and if it is totaled I get to keep it. They "Do not insure trucks as a rule." Gundy wouldn't even talk to me!

Many limitations, but it is a lot cheaper than my DD insurance.

 

[ronclark]

I have always wondered how to insure my 87 ranger, its not a DD. but i would hate to lose all the work and effort i have put into it.

 

[88B2EB]

Many limitations, but it is a lot cheaper than my DD insurance.

Yep Hagerty is great but very difficult to get. I've never had to go through so many hoops just to get someone to take my money. an Underwriter actually called and drilled me for 30min about what I use the motorcycle for. It took some time to convince him that I listed the mileage so high because I insist on riding the bike to shows and one of them each year's about 750 miles away. The rates are amazing though.

Ronclark, that's a great looking Ranger you have there. Hopefully you can draw a few insights/options from everybody in our community that posted to help out.

Alright back to the topic. From the posts thus far it sounds like the general consensus is to go with basic liability insurance and then pad the bank account a little bit just in case. Sounds good. Thanks for all the advice guys

 

[ronclark]

Yep Hagerty is great but very difficult to get. I've never had to go through so many hoops just to get someone to take my money. an Underwriter actually called and drilled me for 30min about what I use the motorcycle for. It took some time to convince him that I listed the mileage so high because I insist on riding the bike to shows and one of them each year's about 750 miles away. The rates are amazing though.

Ronclark, that's a great looking Ranger you have there. Hopefully you can draw a few insights/options from everybody in our community that posted to help out.

Alright back to the topic. From the posts thus far it sounds like the general consensus is to go with basic liability insurance and then pad the bank account a little bit just in case. Sounds good. Thanks for all the advice guys

Thanks its still a work in progress, i have lots of plans as time and money allows

 

[88B2EB]

Thanks its still a work in progress, i have lots of plans as time and money allows

You and me both bud. I think it's a universal truth or something - A project is never finished

 

[a31ford]

Hoping this one will be come Spring. The body has been completely restored, same with the interior. New engine by PO. Just finishing up the details now.

I know what I have into it, a lot more than 3K, but truly no idea what it's worth. NADA lists excellent at 9K but that sounds completely unrealistic. Really if it's worth close to what I have into it I'm happy. If not, I still get to drive my favorite truck in the condition I wanted so that's worth it to me, don't plan to sell anyway. But I think that definately puts me in the category of appraisal beforehand if that's even possible. I'd hate to be arguing over what it's worth after a crash. That's what I really liked about Hagerty. You tell them the value up front along with some pictures and they set your rates based on that.

I might just hit you up on that offer when it's finished. Thanks.

What ??? No Safety Stands ??? I'd be locked up here, for doing that.

Greg

 

[88B2EB]

What ??? No Safety Stands ??? I'd be locked up here, for doing that.

Greg

Thanks for the comment. Any time I'm ever under the truck I do make sure to use the stands. Safety is important. You can't see it because of the tarp but I do have boards under the jack to keep it from tipping in the grass.

 

[Mike92STX]

I have liability on my Ranger but I have 87 Monty Carlo that I have insured with American Family. American Family has a antique policy and my agent gave me a business card for an appraiser. The appraiser came over to my house to look at my car. American Family insured my car for the replacement cost that the appraiser gave me. The only problem is because it is a antique policy they limit the time it is covered because they figure it won't be driven in the winter. It cost me around $300 a year.