Full year of insurance: $194

"StoneCold" (StoneCold) 08/28/2015 at 00:25 • Filed to: None

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Full coverage for non-matching numbers 1966 convertible V8 Mustang with standard interior, including 50 miles of towing and unlimited roadside assistance (up to $100 service each time). No mileage restrictions. Also applies to non-owner drivers. My registration with the county and the state was more than this.

Edit: I should mention that the !!!error: Indecipherable SUB-paragraph formatting!!! is a huge driving factor for the price.

crowmolly > StoneCold 08/28/2015 at 00:27

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Hagerty?

BoulderZ > StoneCold 08/28/2015 at 00:30

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Classic insurance is a beautiful thing. Is it an agreed value policy? Any requirement on having another car in your name?

Denver Is Stuck In The 90s > StoneCold 08/28/2015 at 00:31

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In 3 years Im gonna try for this with my truck. Its 22 now, when the NHRA recognizes it as a classic at 25 It’ll be super cheap

StoneCold > Denver Is Stuck In The 90s 08/28/2015 at 00:33

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You’ll have to have another car by then, though. : / Most classic insurance is only done if it’s not the primary vehicle.

StoneCold > crowmolly 08/28/2015 at 00:34

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Hagerty through my current insurance company, yes.

Denver Is Stuck In The 90s > StoneCold 08/28/2015 at 00:38

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FFFFFUUUUUUUUU

StoneCold > BoulderZ 08/28/2015 at 00:39

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Agreed value of only $10,000, but will be reevaluated next year (when it has it’s new paint, engine, trans, and radiator by then). And yes, classic policies cannot be my only policies.

Denver Is Stuck In The 90s > StoneCold 08/28/2015 at 00:40

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Wait a sec, its on my parents insurance. I can name my moms car as the primary. YUSSSSSS

Leadbull > StoneCold 08/28/2015 at 00:41

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BoulderZ > StoneCold 08/28/2015 at 00:43

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Good deal, and thanks for the info. I’ve had the collectors’ policy on my Z for about 7 years now, but the daily driver clause is a little silly in my case. I have another car (truck), but my DD is a bicycle; I have a 2 mile commute. I’m thinking about calling the vendor and seeing if we can discuss working something out. And, not incidentally, very nice ‘stang. Enjoy it!

StoneCold > Denver Is Stuck In The 90s 08/28/2015 at 00:45

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Well, you can. If it’s not listed as a daily driver, though, that’s fraud if you’re caught.

My agent kinda explained it as this:

Yes, you can list your mom as the only primary driver. But if something happens to the car while you’re driving, you have to be put on the policy after that if you want to drive it again. Goes for pretty much any non-listed driver: they get one chance. Second time, they have enough cause to drop your policy altogether.

Edit: Is only your name on the title of the truck?

StoneCold > BoulderZ 08/28/2015 at 00:53

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So is the truck listed as your primary?

And I should note (I’m going to edit the post ASAP, thank you), the fact my car is registered under the expanded antique plates program is a major reason the rate is so low.

XJDano > StoneCold 08/28/2015 at 00:56

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I just paid $196 for my motorcycle stand alone policy. Would probably rather drive a mustang, but bike was only a grand.

StoneCold > XJDano 08/28/2015 at 01:04

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Another pro for motorbike ownership! If I wasn’t doing two restorations, I definitely would have gotten an older cafe racer type bike by now.

BoulderZ > StoneCold 08/28/2015 at 01:04

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Yes, my truck (‘89 Toyota very not stock) is registered and insured (under a separate insurer, even) as my primary. The collector policy on the Z wants that *and* a car registered/insured as primary for my wife (‘04 Jetta). Not a problem now, but the “every licensed driver in the household has their own DD” part might be a problem in 13 years when my son presumably gets a license.

I also caught a break on having a Collector plate on my Z (‘78). However, I’m in CO. When I got the car on the road, we had the 25 year rule, so I got collector plates. They changed the law, though, and rolled it back to ‘75 and earlier. I keep my plate and emissions testing exemption, but if I sell the car (NTFL, but still), the new owner has to have “normal” plates, emissions, etc. Even the legislature is saying, “Shit! That’s not what we meant!”, but that’s why working in law is so hard. The details are killer. I’m getting involved with trying to help fix the law and not re-open the problems we had (people driving around with out-of-state expired tags for years at a time). It’s been very eye-opening, and educational. I’m interested to read and learn more about the expanded antiques tag program, very cool. Thanks for the link!

DrJohannVegas > Leadbull 08/28/2015 at 01:12

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More money for more ‘Murica.

XJDano > StoneCold 08/28/2015 at 01:14

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I am glad I got it. Also a classic well, sort of, it’s 33 as an 82 Honda Silverwing with hard bags on both sides and a trunk.

Just need to find time to ride. It’s not easy with kids. I have commuted and that was fun.

I know cars eat money, but get a motorcycle when you can.

StoneCold > BoulderZ 08/28/2015 at 01:35

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“Even the legislature is saying, “Shit! That’s not what we meant!”, but that’s why working in law is so hard. ”

I chuckled quite hard at this.

I do like how the expanded tags offer a balance between truly antique vehicles (pre-war stuff that people don’t want to drive on regular roads or ‘trailer queens’-type vehicles where they keep yearly mileage to a minimum are some examples) and everyday cars.

I think giving up driving in Chicago salt is a good enough reason to take a $50 cut off my plate renewal. It’s not quite the $6 per year that full-on antique plates average out to, but it certainly helps in filling up the tank almost two more times.

I do wish you luck with getting the law straightened out!

Edit: The problem you’re going to run into if your state adopts something similar is when it gets to be 70 degrees in February and there’s 4 inches of snow in April. CO weather is so strange. XD

BoulderZ > StoneCold 08/28/2015 at 01:45

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Exactly! CO is a little weird with no salt, so there are a lot of old cars on the road here. Some are definitely well-loved collector/classic vehicles. And, we do have an air quality problem, at least in the greater Denver, metro, Front Range, urban corridor (Google IS “Denver Brown Cloud” if you want to be grossed out). Others are clearly gaming the system (rusted out POS with no exhaust system, with a “Collector” plate, really). It’s really hard to write good law that does the right thing, but doesn’t have a whole laundry list of unintended effects. If we had upper midwest salt, the number of uncared-for old cars would be low enough that it wouldn’t be worth it from an emissions/safety/cost standpoint to do something about them. Of course, then you’re corroding DD’s for everyone, too. It’s a no-win situation.

StoneCold > XJDano 08/28/2015 at 01:46

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That’s a cool bike! About how far do you go on an average non-commuter trip when you managed to?

The cheap classes through my college are another reason to get into sooner rather than later.

StoneCold > DrJohannVegas 08/28/2015 at 01:52

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...Time for midnight gyros and fries, thank you. American college towns are great for night owls.

MuchWagon > StoneCold 08/28/2015 at 07:10

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I can’t tell if you think this is a lot or a little... In NJ we pay about $900 each for a 5yo Fit and a 10yo Focus zxW, two adult drivers with discounts for home insurance and good clean records.

haveacarortwoorthree2 > StoneCold 08/28/2015 at 09:52

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Did you get an agreed value policy? Could save a headache down the road. Trust me!

haveacarortwoorthree2 > haveacarortwoorthree2 08/28/2015 at 09:54

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And now other comments come up that say you have an agreed value policy. Plus it made this picture huge for some reason. KINJA!! Sorry.

Urambo Tauro > StoneCold 08/28/2015 at 10:03

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I should mention that the Illinois Expanded Antique program is a huge driving factor for the price.

Damn. I knew there was a catch.

XJDano > StoneCold 08/28/2015 at 18:20

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I almost haven’t. I went about 60 miles round trip to meet at my sister in laws for dinner since I was running late and my wife went ahead and left on time. ( rush hour traffic on a bike, just sucks)

But since I’m in construction & a contractor sometimes I get to ride my bike to work, which has been longer. A few 120 mile trips & a few 45 mile round trips. Almost all highways.

It is a fun bike. Not crazy in terms of speed, but quicker than any other normal person at a light not paying attention. And the storage space is adequate for a weekend getaway.