Classic / Collectors Insurance?

PitchBlackSS · Treasurer

Classic / Collectors Insurance?

TURNA · Senior Member

I use JC Taylor no mileage limit and they have "hot rod" coverage

car is covered for 10 grand if stolen/torched, without an appraisal and still have the reg 500/mill liability. I like extra coverage in this day and age.

$150 a year all I had to do was send them some pics

Tonys57chevy · Moderator

i been with JC Taylor since 1982

pazzo1969 · Senior Member

jc taylor on most of mine over the years, been a good company

Donutboy97 · Moderator-Monte Hunter Lead Investigator

jc taylor here as well

PitchBlackSS · Treasurer

Went and got some quick guotes from the big 3.

Grundy - $217
Hagerty - $255
JC Taylor - $237

All with the higher liability and $10K replacement value. I used JC Taylor years ago when I had my 64 Impala SS, never had any issues.

Thanks guys!!! Guess I'll be making the switch as soon as I find a new daily driver (sold the SS) Right now I am driving the wagon everywhere.

intimadatorsquizz · Moderator

i have Grundy
no limitations on milage.your not supposed to drive it work or for errands but i can drive it tom NY or Nj or where ever for car shows.you can take it cruising i don't have a deductible it's covered for 20k ans it's $325.00 a year.i know 20k is a bit high but it's would cost me that to build another and then some.

Montess2k · Administrator- Comic Relief

How old does a car have to be to be a collectors car? I thought it was 10 years?

Joe

TURNA · Senior Member

i believe it is 25 years

intimadatorsquizz · Moderator

i believe i have no idea...lmao

Donutboy97 · Moderator-Monte Hunter Lead Investigator

the ins. rep told me 20, so I was just able to get the 88 insured... Altough I think the state claims the car has to be 25 years old to reconize it as a classic...to get the historical plates.. but I'm not 100% positive. Not interested in it so I never bothered to look into it.

Tonys57chevy · Moderator

in ny you can but plates on the car from 1988 tim... i had front and rear 1957 plates on my 57

Donutboy97 · Moderator-Monte Hunter Lead Investigator

well i just found that out this year that you can put period plates on your classic, but but do you have the same limitations as you would if you get the "historical" plates from the state?

maybe I'll have to dig up my liberty plates for the 88

Montess2k · Administrator- Comic Relief

Darn looks like I have a long way to go, I'm coming up to 10...lol....

Joe

PitchBlackSS · Treasurer

Montess2k wrote:

Darn looks like I have a long way to go, I'm coming up to 10...lol....

Joe

one of the companies had "specialty insurance" for newer cars. I looked into it for the SS once and it was eligible.

firegirl68 · Moderator

We have Grundy... $390 for the year. Insured for $25,000, No mileage restriction, had to have a Garage. All we had to do is fill out a form and send pictures.

We had gotten a little scratch at a show, we got an appraisal to fix it for around $1100.00, they came out to our house, looked at the car and the appraisal and gave us a check. It was fixed ASAP.

87 Monte LS · Senior Member

I have a hagerty policy on the 86 for now. Went with them as it was quick easy deal through my local agent, it was cheap, $170 a year for $7500 value and I did NOT have to get historial plates through DMV . Ton of stipulations involved with them though,so i wont be renewing with them this year
no drivers with less than 10 years experience
car not to be used as daily driver
car not to be left unattended in a parking lot unless at a show or cruise
are a few I remember off hand

for more info on the plates http://www.nydmv.state.ny.us/cpl8faqs.htm

CiscoSS · Senior Member

I have my 99 Trans Am with Hea**** Insurance (of which I am my own broker)- $16,000 agree value, $500,000 Combined Single Liability Limit, $250 deductible, Roadside Assistance ($200), annual premium = $255
Annual Mileage limitation= 3,000 miles.

I also represent Hagerty, Grundy & American Classics.
Most carriers look at 25+ years for the vehicle to be classified as "Classic", but that doesn't mean that a new vehicle cannot be insured with these companies (eg. myy 99 Trans Am).
I have insured 2009 Mustand Cobras with Hagerty, 1995 Mustangs, 2001 Camaro SS, etc.

The companies do not need the vehicles to have "Historical plates" either.
Remember, the limitations are there for a reason, to keep the premiums low! If you use these companies for insurance and you abuse those limitations (daily use of cars, not stored in garages, young drivers, etc), then the premiums goes up for ALL of us.

Good luck with your search.

PitchBlackSS · Treasurer

Hey Cisco, can I rent a garage? My Mom owns a rental house and I can have the garage if I want. Its local to me (3 houses away) I can see the garage from most of my east facing windows.

TURNA · Senior Member

PitchBlackSS wrote:

Hey Cisco, can I rent a garage? My Mom owns a rental house and I can have the garage if I want. Its local to me (3 houses away) I can see the garage from most of my east facing windows.

Just use that address as the insurance address

CiscoSS · Senior Member

PitchBlackSS wrote:

Hey Cisco, can I rent a garage? My Mom owns a rental house and I can have the garage if I want. Its local to me (3 houses away) I can see the garage from most of my east facing windows.

Yes you can. As long as the garage is enclosed and locked, it does not have to be where you live. The "garaging address" has no bearing on the price, unlike regular insurance where it does. So making the mailing address the same as the garaging address only causes problem with your mail.

Keep you home address as the mailing address and let them know where the car is stored. It could be 3 miles away or more, as long as it is secured they won't care.
If you need any help with that give me a call.

PitchBlackSS · Treasurer

thanks Cisco, will probably give you a shout soon

87 Monte LS · Senior Member

CiscoSS wrote:

The companies do not need the vehicles to have "Historical plates" either.

when we got the the policy on 71 monte 6 years ago through JC Taylor says if insurance cards say "HISTORICAL" on them then historical plates have to be put on the car. NYSDMV varified this as well.

Donutboy97 · Moderator-Monte Hunter Lead Investigator

i don't have historical plates on and i have JC Taylor... do they have different groups on their insurance?

TURNA · Senior Member

Donutboy97 wrote:

i don't have historical plates on and i have JC Taylor... do they have different groups on their insurance?

Yes

CiscoSS · Senior Member

87 Monte LS wrote:

CiscoSS wrote:

The companies do not need the vehicles to have "Historical plates" either.

when we got the the policy on 71 monte 6 years ago through JC Taylor says if insurance cards say "HISTORICAL" on them then historical plates have to be put on the car. NYSDMV varified this as well.

That is true with NY State DMV but there is NO difference in your premium if you choose "Historical" plates over regular plates. There may be a cost difference in the fee for the plates with DMV but as far as your insurance cost it makes no difference and there is no different category between a vehicle with regular plates and a vehicle with Historical plates.

So the choice to have "Historical" plates or not is up to the owner of the car and not the insurance company (in NY state). So if you like "Historical" plates tell your insurance company so they can put "Historical" on the insurance ID card, otherwise get regular plates and don't worry about it.

CiscoSS · Senior Member

TURNA wrote:

Donutboy97 wrote:

i don't have historical plates on and i have JC Taylor... do they have different groups on their insurance?

Yes

In what way do they have "different groups" ????

TURNA · Senior Member

well maybe not a different group for the insurance company

but I needed historical on my insurance card to use the old orange & blue license plates on the Malibu

CiscoSS · Senior Member

TURNA wrote:

well maybe not a different group for the insurance company

but I needed historical on my insurance card to use the old orange & blue license plates on the Malibu

Yep, that's a DMV requirement.

PitchBlackSS · Treasurer

I thought about using the yellow/blue plates, but they just dont go with my color scheme

Donutboy97 · Moderator-Monte Hunter Lead Investigator

PitchBlackSS wrote:

I thought about using the yellow/blue plates, but they just dont go with my color scheme

lol

how do you think I feel?!?!?!??!?! Blue and white don't go with green and gold lol. Oh... maybe i need to get some Colorado plates