Crap...Having a lot of trouble finding insurance.

[formula]

Alright, so I'm becoming more and more worried that, as the value of my collection of parts rises but stated value stays the same, I'm asking for raping when I eventually have to make a claim by having normal insurance on my car. SO, I'm looking for an agreed-value policy. I have a couple HUGE problems, though:

-I'm 21
-When it's at home I garage the car, but I frequently drive it to college for a week, where it is kept covered and in a fenced parking lot, but outside.
-My beater is beaten, so I currently have no other car, but still only drive about 4-5k miles a year.

SO-- is ANYBODY going to give me an agreed value policy? Or, if I put it under my father's name, is anybody going to let me still drive it to school and back?

[Randy67]

Alright, so I'm becoming more and more worried that, as the value of my collection of parts rises but stated value stays the same, I'm asking for raping when I eventually have to make a claim by having normal insurance on my car. SO, I'm looking for an agreed-value policy. I have a couple HUGE problems, though:

-I'm 21 a problem with most companies, check around
-When it's at home I garage the car, but I frequently drive it to college for a week, where it is kept covered and in a fenced parking lot, but outside. They want it stored inside, so most won't allow this.
-My beater is beaten, so I currently have no other car, but still only drive about 4-5k miles a year. You will need proof of a daily driver in order to get an agreed-value policy.

SO-- is ANYBODY going to give me an agreed value policy? Or, if I put it under my father's name, is anybody going to let me still drive it to school and back? Pretty much no one is going to let you drive the car to school/work, again the need for a daily beater. Getting an agreed-value policy is near impossible on a car that is driven daily and/or to school/work. They don't want the risk involved. Hopefully you can find a solution, like a cheap car for daily use.

[jackfrost]

just don't tell them you drive it daily. like my car w/ historical plates is only supposed to be driven to car shows on sundays. :bsjerk:

[andrewb70]

Get a beater. Driving the Firebird to school and leaving it outside without a garage is asking for trouble. The specialty insurance companies biggest concern is theft. The fact that you are 21 is going to be the biggest issue.

Andrew

[Spiffav8]

I agree...Get a beater for every day driving.

Mine says that my daily driver can't be more than 10 years old and that every driver in the house has to have there own car (in addition to my camaro). Check with the company you want insurance from and see what they say.

[cheapthrillz]

I have a couple beaters I could sell you lol.

Saw a nice one in Piedmont the other day... '70 Firebird Esprit 350 with only 60k on it... How much? 5500!

But of course my dad is a ****ing cheap *******, so he didn't even think about it... Even after he looked on NADA and the value was 8500-35000 low to high retail...

I hate my life....

[chevelle71]

Id give Hagerty a call, they do it all. They would even install the pile of parts sitting in the corner that you havent installed yet.

[andrewb70]

....

I hate my life....

Don't be so dramatic. You hate your life because you didn't get some car? Give ma break...

Andrew

[BritishGreen68]

Id give Hagerty a call, they do it all. They would even install the pile of parts sitting in the corner that you havent installed yet.

my uncle sells hagerty I think you have to be 25 years old to get it. I went through the same stuff on my camaro, I ended up having my parents insure it under thier policy and just had my name on the policy, and I paid the difference. This was through state farm.

[mpozzi]

And you have to have a daily driver to get an agreed-upon policy for your classic/muscle/specialty vehicle. Most don't insure drivers under the age of 25 either so even if your dad was the actual named insured, the loss wouldn't be covered if you (excluded driver under 25) were driving at the time.

Doesn't hurt, however, to check around as there may be a premium surcharge or a company that isn't as conservative regarding where and what you can do with your car or how many miles per year it's driven.

Check with a broker as well. They have lots of carriers that may be a bit more liberal about their underwriting and hopefully you can get insurance for what your car is worth.

Cheers,
Mary Pozzi