Oppo's advice for vintage insurance?

"The Magic Rev Matching 4Runner" (peter-mckee)
09/30/2014 at 21:42 • Filed to: None

So I'm working on getting my 240z all nice and ready for it's big move to Utah. Gonna be doing vintage car registration ($40 one time and no smog? Okay!) and now its time for registration. I went through Geico and can get it for about $230/year, if its in a "carport". I'm living in dorms right now so, no such garage sort of thing. Would they even sell me a policy if I was "street parking" (parking lot) it? I haven't ever done insurance for my vehicles separately from my family, so is there anything dumb I should avoid doing? How is everyone else insuring their cars in college?

Have a 240z burnout for your time...

DISCUSSION (15)

That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms > The Magic Rev Matching 4Runner
09/30/2014 at 21:50

Hagerty. My Jaguar is 200 a year, and the Corvair is $60 per. They'll ask the value of the car and some other stuff, but they're great to work with.

JR1 > The Magic Rev Matching 4Runner
09/30/2014 at 21:54

I would repost this in the morning

The Magic Rev Matching 4Runner > That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms
09/30/2014 at 22:02

I don't seem to be able to qualify for Hagerty. Maybe I'm too young (18)?

vorspringing > The Magic Rev Matching 4Runner
09/30/2014 at 22:03

Another problem with collector car insurance is there's a pretty stringent mileage limit. My project car is insured through Hagerty, but they balked at even allowing 5,000mi per year (I tried to estimate based on my commuting mileage and was way off.) They asked about garage/driveway parking, although I'd imagine they'd probably allow non-public lots as well, otherwise nobody in an apartment complex would ever be able to get insurance.

That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms > The Magic Rev Matching 4Runner
09/30/2014 at 22:05

I didn't even think that was a thing. Kinda weird.

Scary__goongala! > The Magic Rev Matching 4Runner
09/30/2014 at 22:07

I have USAA. When I had my W123 at school last year it was pretty cheap because I had the mileage limit pretty low. Which was correct for how much I drove it(or didn't drive it). They didn't have a special deal for classic/antique cars though.

The Magic Rev Matching 4Runner > That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms
09/30/2014 at 22:10

I did it again, but said it was modified instead of stock. $350 a year...

That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms > The Magic Rev Matching 4Runner
09/30/2014 at 22:11

Lame. Geico ain't looking so bad I guess. I mean $350 a year is short money for insurance, but still.

Big Bubba Ray > The Magic Rev Matching 4Runner
09/30/2014 at 22:20

Thank you for asking this! I was just about to make a post about the same topic. I need cheaper insurance for my 240 right now. Guess how much I pay a year for it.....

800 fucking dollars. 800 . And then I pay $1,000 a year for my 2005 Subaru fucking Outback. My driving record is totally clean, by the way. Fuck my insurance agent.

I'm too young for Hagerty (23), so I need to find another company that will insure me, hopefully for a shit ton less money.

Kanaric > That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms
09/30/2014 at 22:24

I didn't qualify as well. It's weird. Had to use Liberty Mutual

The Magic Rev Matching 4Runner > Big Bubba Ray
09/30/2014 at 22:30

I guess Geico is the way to go if you do their vintage vehicle policy. Hagerty sounds like they up the prices for younger people pretty badly...

Big Bubba Ray > The Magic Rev Matching 4Runner
09/30/2014 at 22:33

I don't even think Hagerty insures people under 25, which is complete bullshit. I called them when I was trying to get my Baja Bug insured and they denied me because I was too young.

But get this. My current insurance company only charged me $50 a year to insure the Bug. That's another reason why I'm so pissed about how much they charge me for the Z.

I'll definitely be looking into Geico for the Z now.

Stef Schrader > The Magic Rev Matching 4Runner
09/30/2014 at 23:15

ME GUSTA. The car, the color, all of it!

The Magic Rev Matching 4Runner > Stef Schrader
09/30/2014 at 23:23

If only it were mine. Mine is not quite so nice haha...

crowmolly > The Magic Rev Matching 4Runner
10/01/2014 at 09:30

I have had Hagerty for a number of years. Since you are young you probably don't qualify. They also require (or required when I signed up) that you garage the car and have a regular daily driver. They have issues with roll bars and will make you fill out a "mod form" of everything you have done. However if you ever have to make a claim they are no-nonsense.

GEICO either partnered with or bought American Collector's in Cherry Hill NJ. That's good.

Just make sure that your policy states "agreed value" and not "actual cash value".