A insurance?

[Grapejuice]

I used the search function and didn't come up anything, so pardon me if this has been covered a time or five.

I have two Model A's that I drive frequently and I was wondering what everyone does for insurance? Currently I have them covered by the same company as my moderns, but the cost is relatively high. I have replacement cost policies on both and spend around $1,200 per year combined.
When I got my first A, I called one of the antique insurance companies and got a little upset with their restrictions, so I went with conventional insurance.
Are there any antique insurance companies that allow you to drive your A as much as you like, anywhere you like?

Thanks!!

EDIT: I have since gone with Grundy, so no need to reply on my account.

[1931 flamingo]

Haggerty, I believe i said 5k mi, no problem. $190 yr
Paul in CT

[Fred K-OR]

Originally Posted by 1931 flamingo

Haggerty, I believe i said 5k mi, no problem. $190 yr
Paul in CT

I have about the same type of policy from Haggerty. They have be great, so far, to deal with.

[CarlG]

I pay $100/month to drive, $10/month to park thru Allstate

[Bill Steiner]

I get 3,000 mi for $ 130.00 yr. Could get more mi for a little more. Bill

[Larry Seemann]

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Hagerty has no restrictions on use as long as you also own a regular use car that is insured elsewhere. ie; a modern car insured by State Farm or some other company. You just have to give Hagerty a copy of the insurance on the other car.

[Kevin in NJ]

The real question is what do you mean by driving every where?

Putting miles on the A going to shows and crossing the country is really not a problem. If you are planning a long trip then you just call and get permission first. The driving to the local store and going to work that becomes an issue. Enjoying the A is not a problem, it is just the regular everyday use the becomes a problem.

You need to ask what is in writing as far a restrictions. With condon and skelly I used to have to put down the miles driven each year and now they do not care. Some places will tell you once and a while going to work is no problem, but it will be clearly written out that going to work is a no no. They are also kind of loose in the enforcement as it is not always clear cut. Some companies are more restrictive.

Call and talk to each company and ask them what is 'allowed'.

[Charlie Stephens]

Originally Posted by Grapejuice

I used the search function and didn't come up anything, so pardon me if this has been covered a time or five.

I have two Model A's that I drive frequently and I was wondering what everyone does for insurance? Currently I have them covered by the same company as my moderns, but the cost is relatively high. I have replacement cost policies on both and spend around $1,200 per year combined.
When I got my first A, I called one of the antique insurance companies and got a little upset with their restrictions, so I went with conventional insurance.
Are there any antique insurance companies that allow you to drive your A as much as you like, anywhere you like?

Thanks!!

Have you tried asking your current company if they have a division that will handle antique cars at reasonable rates? I know that the auto club does.

Charlie Stephens

[Grapejuice]

My current insurance company insures my A's just as they would any other car, but it's a little bit on the expensive side as far as I'm concerned. My '28 Sport Coupe costs $596 per year with a declared replacement cost of $10,000, while my '30 Cabriolet costs $683 with a RCV of $15,000. The beauty of it is; I can drive them anywhere, anytime. There are no restrictions.
When I first got my Sport Coupe I called one of the more popular antique car insurance companies (I wanna say J.C. Taylor?) and they had 100 questions for me about when and where I would be driving my A. They said I could only drive it in parades, or club functions, but I couldn't drive it to the store on an errand. I told them never mind, I'll find another way.
I don't put more than 1,500 miles on either one in a year though, or at least I haven't so far, so that's why I want to find a cheaper rate. But I want to be able to drive it whenever and wherever I choose.
I called AAA for a quote and they don't insure vehicles older than the 1950's.

So, I'll call some of the companies listed in this thread and see what I can come up with.

[Charlie Stephens]

Originally Posted by Grapejuice

My current insurance company insures my A's just as they would any other car, but it's a little bit on the expensive side as far as I'm concerned. My '28 Sport Coupe costs $596 per year with a declared replacement cost of $10,000, while my '30 Cabriolet costs $683 with a RCV of $15,000. The beauty of it is; I can drive them anywhere, anytime. There are no restrictions.
When I first got my Sport Coupe I called one of the more popular antique car insurance companies (I wanna say J.C. Taylor?) and they had 100 questions for me about when and where I would be driving my A. They said I could only drive it in parades, or club functions, but I couldn't drive it to the store on an errand. I told them never mind, I'll find another way.
I don't put more than 1,500 miles on either one in a year though, or at least I haven't so far, so that's why I want to find a cheaper rate. But I want to be able to drive it whenever and wherever I choose.
I called AAA for a quote and they don't insure vehicles older than the 1950's.

So, I'll call some of the companies listed in this thread and see what I can come up with.

Call AAA back. The person you talked to didn't know what they were talking about. They are currently insuring my '32 as a street rod and I an sure they also handle antiques (at least they do in California). They have a special division for the old cars.

Charlie Stephens

[Gary/IA]

You might want to check out www.americancollectors.com

I have found their pricing to be reasonable and their usage policy very liberal.

I have two cars insured with them, one at 22K and one at 14K, plus their best towing pkg ($35 extra). It costs me a total of $310/year.

I sent them a letter requesting a clearer explanation of what they allowed for usage. They replied basically that they just didn't want me using it as an everyday work auto. They wanted to know if I had another auto for everyday usage. I will try to post their reply but don't know how to get it attached in a size that you could read.

[Mike V. Florida]

Originally Posted by Grapejuice

My current insurance company insures my A's just as they would any other car, but it's a little bit on the expensive side as far as I'm concerned. My '28 Sport Coupe costs $596 per year with a declared replacement cost of $10,000, while my '30 Cabriolet costs $683 with a RCV of $15,000. The beauty of it is; I can drive them anywhere, anytime. There are no restrictions.
When I first got my Sport Coupe I called one of the more popular antique car insurance companies (I wanna say J.C. Taylor?) and they had 100 questions for me about when and where I would be driving my A. They said I could only drive it in parades, or club functions, but I couldn't drive it to the store on an errand. I told them never mind, I'll find another way.
I don't put more than 1,500 miles on either one in a year though, or at least I haven't so far, so that's why I want to find a cheaper rate. But I want to be able to drive it whenever and wherever I choose.
I called AAA for a quote and they don't insure vehicles older than the 1950's.

So, I'll call some of the companies listed in this thread and see what I can come up with.

This is not what you want to hear but if you are going to drive it like an everyday car you are going to have to insure it like an everyday car.

If you are going to take it out for a joy ride, car event, promote the hobby, and the like, then you get classic/antique car insurance.

[Bob from Northport]

Try Grundy. I'm paying less than 500.00 per year on two cars.

[ford1]

call sneed, they are very reasonable, all they want is another car for you to drive other than the antique

[denis4x4]

Five cars with Hagerty with a combined agreed value over $100,000 for $834 a year with full coverage. And, the girls in the Hagerty booth at Goodguys in Scottsdale were better looking than the girls in the other insurance booths!

[mrtexas]

IMHO you need to call several insurance companies and describe how you will drive the car before deciding. I didn't like the Haggerty or JC Taylor restrictions so I went with Classic(Consumer's County Mutual) insurance with a limit of 3,000 miles per year. I called several of the most popular companies before settling on that one. Having had that company for less than a year, I had a fender bender with my 63 Corvette a month ago and they paid $5,000 and didn't cancel me.

[PC/SR]

I use Hagerty because it has restrictions I could live with, but all the specialty insurers have restrictions in the fine print, mileage, modern car, no speed events or hillclimbs, etc. Regular insurance does not have the restricions. When I go to a hillclimb, I add the A to my regular insurance then take it off after the meet. Pay for the additional car for a month then get a refund for the rest.

[Bruce Adams]

Originally Posted by PC/SR

I use Hagerty because it has restrictions I could live with, but all the specialty insurers have restrictions in the fine print, mileage, modern car, no speed events or hillclimbs, etc. Regular insurance does not have the restricions. When I go to a hillclimb, I add the A to my regular insurance then take it off after the meet. Pay for the additional car for a month then get a refund for the rest.

Does your regular insurance permit timed events like hill climbs?

My "Regular Insurance" excludes these events, too.
Specifically,
"Race, speed contest, or speed test includes, but is not limited to:"
"A competition against other people, vehicles, or time"..
or
"Any activity that challenges the speed or handling .... " et al

I'll bet Your "Regular Insurance" mirrors your Hagerty Policy too.
Imagine being covered for collision at a Demo Derby?

[46ford]

Originally Posted by PC/SR

I use Hagerty because it has restrictions I could live with, but all the specialty insurers have restrictions in the fine print, mileage, modern car, no speed events or hillclimbs, etc. Regular insurance does not have the restricions. When I go to a hillclimb, I add the A to my regular insurance then take it off after the meet. Pay for the additional car for a month then get a refund for the rest.

All insurance policies have restrictions on races or contests. My modern cars all do.

Your modern car policy is primary if you have a wreck, if you have Hagerty. I never bothered asking about the restrictions. Funny, most cars in Michigan have historic plates that restrict usage anyway, but no one cares.

[Patrick L.]

I also use American Collectors.. I was going to look around for some others, I thought $148/yr was getting a little high but I guess maybe its not..