Seems to be where all the Z guys go these days. However I’m that sucker who kept full insurance on his Z while it wasn’t driven for 3 years, lol.
I also use grudy which the premiums are based on your values which you set yourself.
The only restriction is that you are not allowed to drive the car to work, it states it in the policy.
I’m calling Grundy this afternoon, will update then…
I had a classic car policy back when the Fiero was my 3rd vehicle. I got it through Alliance Insurace in Depew but can’t remember what company they went through. There are some hoops to jump through. Notarized letter stating no one under 25 will drive it, copies of registrations of daily driver cars for anyone in the household to prove you aren’t DDing the car Grundy will insure were the ones I remember.
EDIT: Realized it wasn’t Grundy I was with originally.
That’s a lot of BS.
One time BS, after which I had full coverage, unlimited mileage, agreed value insurance on my car for < $100 a year. Well worth it.
Unlimited mileage? Then how would they stop you from making it your DD?
because if it gets fucked up in a parking lot or at work, they tell you to go fuck yourself
Because you’re basically driving without insurance if something happens and they prove you were DDing it.
Really guys, this isn’t a place to fuck around to save a few bucks. If you legitimately have a car you don’t DD, do it. You save a bunch of money. If you’re trying to cheat the system and insure your daily cheap it could bite you in the ass big time. I’m not talking about writing off your POS DD either, I’m talking about the hundreds of thousands of dollars involved in a personal injury car accident. Have fun handling something like that on your own when the insurance company (and their lawyers who fight for you) say fuck off, you’re on your own because you violated our insurance terms.
I’m going to make my goal to fix my insurance situation this week. I have 2 classics under Hagarty for $180 a year/agreed value, but have 2 Mk2 VWs on my Allstate policy, plus my Cherokee. I pay almost $170 a month for all 3, no collision, flawless record, over 25, have them for my homeowners policy, etc. The Jeep is the only thing I drive for winter, and only one I drive for work. I agonize over taking the VWs off the road because I have to deal with registering them both in the spring and losing my blue plates. (I’m currently yellow plate-free.) I have a feeling I’d get boned on homeowners if I dropped the auto coverage, so I have to find someone to insure at least the 3 cars and home for the best rate.
^ Check out Liberty Mutual…
So I just called Grundy…they sold their collector car insurance group to Philadelphia Insurance Company…sigh…
Call Alliance Insurance in Depew. They’ve always done well by me and they were the ones that got the classic car policy on my Fiero when I had it. I’ve still got my boat and snowmobile insurance through them (with Progressive).
I was also going to say that the car has to have some historical signifance or something along those lines was how they worded it. You can’t just throw a 1990 Civic on because it is over 20 years old.
I’m not sure how “historically significant” an 86 Fiero GT is though, and they insured it as a classic. It was super clean and looked mint in pictures though.
This is absolutely incorrect. Your homeowners does not cover your car under any circumstances. Why, because there are other insurance polices that are greater fitted for that need. IE, your auto policy and to avoid any possible double coverage in the event of a claim.
At a minimum, you need to maintain your comp coverage as that covers you for any non-collision accidents. This includes just about everything from vandalism, garage collapsing, theft, etc, etc.
Collision covers collision type accidents with another car or object. Comp covers everything else, including striking an animal and what I listed above.
I can’t remember the exact wording, but, it was something that would prevent people from just having a 91 Accord or Cutlas on this type of insurance. What I got out of it was that the car had to be somewhat of a niche market car, not a run of the mill sedan that they sold 5 million of.