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02-20-2012, 09:13 PM | #1 |
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Join Date: Jul 2010
Location: Mooresville NC.
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Need some insurance help
Hey good folks! I am close to having the Tudor on the road. hopefully this spring! Anyway I cannot find an insurance company that will cover my car because it does not stay in a locked garage. It doesn't stay in a garage at all. I have Allstate for my daily drivers and they said that they don't cover vehicles this old. All the insurance companies listed in the directory here on the barn require the vehicle to be stored in a locked garage.. Does anyone have advice or suggestions?? I would just build a garage but My HOA will not allow it and the cheapest storage unit that the Tudor will fit in is 130.00 per month.. I'm stuck and have not a clue what to do. Sorry if this had been covered previously but I didn't not find anything in the search tool. Thanks guys and gals!!
Drew |
02-20-2012, 09:19 PM | #2 |
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Re: Need some insurance help
I use Hagerty for my two A's. Mine are in a garage but I don't think that was a requirement of getting their insurance.
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02-20-2012, 09:26 PM | #3 |
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Re: Need some insurance help
I have JC Taylor. I cannot say enough good about this company. My A was in my shop when I had an electrical fire in Nov 2011. They treated me absolutely fairly. Much better than I ever expected. I have Progressive on the shop, now thats a different story. STAY AWAY FROM PROGRESSIVE.
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02-20-2012, 09:41 PM | #4 |
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Re: Need some insurance help
Hagerty does require them to be garaged.As of a couple of years ago we couldn't find anybody to insure an antique without a garage.At the time we tried to just insure for liability,but none of the antique insurers would write just liability.It had to be written as a package.I think you will need to move.
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02-20-2012, 10:38 PM | #5 |
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Re: Need some insurance help
Is there any chance you can find an elderly lady nearby with garage space that she'd rent out.
My friend had Allstate and regular daily driver plates on his 1931 Model A. |
02-20-2012, 10:47 PM | #6 |
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Re: Need some insurance help
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02-21-2012, 08:20 AM | #7 |
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Re: Need some insurance help
Antique car insurance tends to have two major requirements.
You have a regular cars for the drivers in the house. The car must be locked in a garage. Keep in mind they are a low cost comprehensive insurance and they need to limit their liabilities. As pointed out, find a local person willing to rent a garage or get one of those storage shed garages, you do not need a very big one as the A is a small car. You know the kind that they just drop on your property and are not taxed as a building. |
02-21-2012, 10:05 AM | #8 |
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Re: Need some insurance help
I was going to mention the small extra garage like Kevin mentioned, but when I saw Drew mentioned HOA I figured they would have a hissy fit!
That's why I would never live in that type community. Out in the country is the best, and I live way to close in. |
02-21-2012, 11:23 AM | #9 | |
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Re: Need some insurance help
Quote:
Not sure about full coverage with them, but since they didn't ask where my wifes car was parked when I had it on her car I don't think it should matter.
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02-21-2012, 12:31 PM | #10 | |
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Re: Need some insurance help
Quote:
I don't recall any questions about a garage on my Hagerty app. Remember your "daily driver" insurance is primary if anything happens. Insurance is such a racket. |
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02-21-2012, 01:08 PM | #11 |
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Location: Rhode Island
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Re: Need some insurance help
As others have mentioned. If you have the room, buy a 20' shipping container for one car or 40' for two cars. I think they are around $3,000 for a 20' delivered. You need to add a vent or your car will sweat.
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02-21-2012, 01:18 PM | #12 |
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Re: Need some insurance help
Try Gulfway link below they insure vintage trucks with no inside storage required.
http://www.racensur.com/ |
02-21-2012, 01:44 PM | #13 |
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Location: Henderson,NV
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Re: Need some insurance help
Try Hartford . They cover my daily and my 51 Merc. Agreed value full coverage on the Merc. and no garage required. Rates are very competitive.
Les |
02-21-2012, 01:59 PM | #14 |
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Re: Need some insurance help
I have State Farm and no problems. They insure my '85 Camaro (primary vehicle), '73 Special Construction ('23 T w/350 Chev), '31 Woody (converted PU w/350 Chev) and I recently added my '30 A Tudor. I didn't refer to it as a classic, just a 1930 Model A Ford. No garage requirement, just limited milage. My Woody got nailed by a red light runner and the only party that got burned was the perp.
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02-21-2012, 03:04 PM | #15 |
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Re: Need some insurance help
Jeff, you know Gomer?????? Wow! Tell his cousin Goober, and Andy and little Opie
I said "hey." Jack
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02-21-2012, 03:31 PM | #16 |
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Location: Mooresville NC.
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Re: Need some insurance help
Thank you all for your input here. I will try State farm, Hartford and Gulfway. It is very frustrating dealing with my HOA. They are a big joke. I would move tomorrow if that didn't mean I would lose my rear on the house.. Its funny that when the wife and I shopped for a house my only requirements were a garage and and acre of property... I got no garage and less than a 1/4 acre in a neighborhood run by a crooked HOA. She is happy and I am miserable. LOL. Thanks again guys!!
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02-21-2012, 03:56 PM | #17 |
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Re: Need some insurance help
Try: American Modern Home Insurance
P.O. Box 740429 Cincinnati, OH 45274-0429 Via: Scott Smith C/O Skysmith Insurance 518 SW 3rd Street, Suite B Ankeny, IA 50021 515 289-1439 I insure a 1930 Roadster, a 1931 Coupe, and a 1927 reconstructed (fiberglass) Mercedes for $244/year with 1,000 mile limitation per vehicle. No requirement for indoor storage: specific prohibition against storage in a car racing facility. Last edited by BudP; 02-21-2012 at 03:57 PM. Reason: spelling correction |
02-21-2012, 04:02 PM | #18 | |
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Re: Need some insurance help
Quote:
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02-21-2012, 04:41 PM | #19 |
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Re: Need some insurance help
That's really strange, because I have Allstate for my daily drivers AND my Model A. It's on an agreed value, and they had no problem adding it to the same policy that my other 3 vehicles are on. And, they never asked about a garage, although the Model A is garaged whilst the other 3 sit outside! I suspect that your agent just didn't check far enough.
Last edited by CarlG; 02-21-2012 at 04:47 PM. Reason: Add |
02-21-2012, 05:17 PM | #20 | |
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Re: Need some insurance help
Quote:
HOA? |
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02-21-2012, 05:27 PM | #21 |
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Location: Marietta GA.
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Re: Need some insurance help
Call Hagerty for a quote, I have my 31 coupe, old VW bug, and my Military jeep with them, full coverage, You won't beat them, good E-mail news letter's also.
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02-21-2012, 05:57 PM | #22 |
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Re: Need some insurance help
I think you should just give up, sell me the car for a song and not have to worry about insurance.
Life is too short for all of these problems.... BTW folks-HOA means NO dropping a shed or storage unit on the lawn! Some folks, I tell ya! |
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02-21-2012, 06:06 PM | #23 | |
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Re: Need some insurance help
Quote:
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02-21-2012, 06:39 PM | #24 |
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Re: Need some insurance help
Call an All State agent and direct them to their own site http://www.allstate.com/insurance-ma...insurance.aspx. My agent knows nothing about this and their web site people imply they have it but you can't do it online. It has been viscious circle.
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02-21-2012, 07:54 PM | #25 |
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Re: Need some insurance help
James,
HOA = Home Owner's Association, as in play by the rules gated community, or we kick you out! |
02-21-2012, 08:22 PM | #26 |
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Re: Need some insurance help
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I have all of my vehicles insured with Farmers Insurance Group. 4 modern drivers and 4 antique drivers. Never had any problems. No mileage limits, storage requirements, etc. Just pick a value and sign up. Reasonable price also. I have never had any claims with the antique vehicles but have had some with the others and have had good luck. The last two accidents we had was when my wife backed her new Mustang into her mothers car in our own yard. Insurance will pay for that but when I backed my pickup into my wifes Mustang in my own yard they will not pay. Funny how that works! Guess they do not like me running my own stuff together at home. At least I haven't hurt any of the old cars, less of a hurry when I drive them. Pete |
02-21-2012, 10:09 PM | #27 |
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Join Date: Feb 2012
Location: Yakima, Washington
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Re: Need some insurance help
My State Farm account covers me for 12 bucks a month and 100-300 coverage and no garage requirement...been with them 10 years...also I dont drive it with regularity. I think I put the value at 12-14k
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02-21-2012, 11:11 PM | #28 | |
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Re: Need some insurance help
Quote:
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02-22-2012, 06:42 AM | #29 |
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Re: Need some insurance help
I dealt with that once and still own the doublewide in that community. They can't throw you out but they quabble like a bunch of kindergarteners with everybody wanting to be boss and nobody knowing what the rules and covenants are. I just stand back and let them bitch, I live in the country where I do as I please with my property, within reason and as long as my wife lets me
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02-22-2012, 07:18 AM | #30 |
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Re: Need some insurance help
"Its funny that when the wife and I shopped for a house my only requirements were a garage and and acre of property... I got no garage and less than a 1/4 acre in a neighborhood run by a crooked HOA. She is happy and I am miserable. "
Drew- There's a thread up called "What % do you spend on your hobby" you should read. Good luck!
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02-22-2012, 05:01 PM | #31 |
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Re: Need some insurance help
I used to have J.C Taylor, and they were great -- until I had a claim! I'd recommend anyone else but them. My current insurance is with Hagerty.
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02-27-2012, 01:05 AM | #32 |
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Re: Need some insurance help
Seems like you need a good vintage car insurance company! You got to do some thorough research before you make a decision. Having to keep the car in a locked garage is a huge expense!
Last edited by rustyemerson; 02-27-2012 at 01:32 AM. |
02-27-2012, 06:48 AM | #33 |
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Re: Need some insurance help
I've had American Collectors on a couple 911's for years. They allow "stated value" and 2500 miles a year, about $120/yr.
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02-27-2012, 11:29 AM | #34 |
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Re: Need some insurance help
Thanks Jeff....I meant agreed value, used the incorrect term. You're correct,
it makes a huge difference!
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03-03-2012, 04:26 AM | #35 |
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Re: Need some insurance help
top rated car insurance companies wont get you your required insurance as your car is old and not garaged. You need to look for a cheaper and less renowned company to insure your car.
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03-03-2012, 06:37 AM | #36 |
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Re: Need some insurance help
Do you folks not have "Silver Wheels Insurance" ? It is by far the cheapest here in Ontario and you pay based on the value. I can not find any garage stipulations in the policy.
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03-03-2012, 08:35 AM | #37 |
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Re: Need some insurance help
dr.j: Not sure if that Co. would be good "south of the border". Is that a Canadian company??
Paul in CT |
03-03-2012, 08:43 AM | #38 |
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Re: Need some insurance help
Thank you everyone for your input on this thread the past couple weeks. I have been talking to Farm Bureau Insurance and they seem to have something for me. They said that as long as I do not use the tudor as my daily driver they will insure it for agreed value and they said it would be around 200 per year. It sounds good to me!! Now they want me to switch everything over to them. The house and the two daily drivers.
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03-03-2012, 08:56 AM | #39 |
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Re: Need some insurance help
AMERICAN COLLECTORS, AUTO INS. from Cherry Hill, N.J. my coupe was $93.00 a year. with collison at $12,500. just need a photo. : you can keep it in the bath room : JAN.
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03-03-2012, 11:06 AM | #40 |
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Re: Need some insurance help
I use Triple A. My "31" ccpu is $100 per year. Just added a "30" Murry town sedan for an additional $4. All that was required were pictures. No questions about garage.
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