Insurance and swaps.

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snapetwo

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I don't live in California, thank god, and where I live in Colorado there are no emissions anymore.
My question is, if I swap a hemi 5.7 into my dart.
How do I get insurance to cover it? Say I have $5000 tied up in that hemi, I don't want to have to eat it if I wreck, insurance will want to replace the 318 or s6, but not a hemi....

Also, say I move to California. How can I drive my dart? What about emissions?
Obviously the worst running hemi is gonna beat a 71 s6 on emissions.
But will the swap even be allowed? Or do u have to reclassify the car or something?

Thoughts and opinions?
 
Try specialty insurance like hagerty and have an agreed value for your car. You must have a primary vehicle insured in your name though.
 
As far as the insurance goes, I would contact Hagerty. There are a multitude of classic car insurance companies. Make sure you get a policy that is on "agreed" value not "stated" value no matter who you use. You and they agree to a value on the car and that's what they would pay if the car is totaled.

Also Hagerty will let you just go for a cruise in your car, some other companies don't.
 
Californian here.

As long as your car is '74 or older, there's no problem. If I recall correctly, we used to have the emissions exemption roll over each year so that if your car was 30 years old, it was exempt. however, they stopped the roll-over in 2004.
 
snapetwo said:
I don't live in California, thank god, and where I live in Colorado there are no emissions anymore.
My question is, if I swap a hemi 5.7 into my dart.
How do I get insurance to cover it? Say I have $5000 tied up in that hemi, I don't want to have to eat it if I wreck, insurance will want to replace the 318 or s6, but not a hemi....

Also, say I move to California. How can I drive my dart? What about emissions?
Obviously the worst running hemi is gonna beat a 71 s6 on emissions.
But will the swap even be allowed? Or do u have to reclassify the car or something?

Thoughts and opinions?
Click to expand...
as to the insurance get collectors insurance. have to have a policy on a daily driver to get it. as to the CA. question the simple answer would be not to move there. i know that when they rolled out the IM test in AZ it was not a big deal, they went off the year of the car not the motor. in another words, if you swapped an obd II motor into a 72 Dart they just used the 72 emissions/equipment standards, which means that no cat/egr/vapor recovery was needed. was told that CA requires all of the equipment that the transplanted motor came with form the factory. don't know how true it is, a former co-worker was the person who told me this after he moved to CA.
 
^^ That's only if your car already requires smog. If your car is pre smog no worries. Pay your registration show the dmv your insurance and its a done deal. I love this about California!

Aj
 
Thanks for all the replies.
As far as collector insurance, dunno about they, just yet.
I have progressive for my 09 charger, best rate so far for me..and the dart is only $15 extra a year....and considering the car isn't worth much more a grand or two AS OF YET....no point in switching just yet. But once i start getting it restored more, i'll have to look into that hagerty company.
Now there is a follow up question...Say I switch to classic insurance..we agree car is worth $5000...well as I restore it, it becomes worth more...will the companie readjust? im sure they raise ur rates too.
 
Just checked hagerty, the won't cover any modified cars....that rules out the dart with a hemi and subframes....interesting.
 
i have hagerty, they will allow you to adjust the policy as you see fit. they will insure it even if it is a non-running vehicle. it is covered even if it gets damaged loading/unloading off the trailer. the rates are very reasonable, especially given the 0 deductible....
 
snapetwo said:
Just checked hagerty, the won't cover any modified cars....that rules out the dart with a hemi and subframes....interesting.
Click to expand...


Not so, mine is modified from stock and they cover mine. You are using Chrysler parts are you not? That's what you need to tell them.

And, yes they will increase your coverage as the car increases in value.
 
do not just go by what you think the interpenetration is, call them. one thing they will not cover is a Cobra replica. One thing they will not cover, unless you buy the coverage is damage that occurs while racing the car. Like I said, mine has a full cage and they covered it. They know about the cage because I mentioned it to them and it was very visible in the pictures I provided.....
 
Badsport said:
Not so, mine is modified from stock and they cover mine. You are using Chrysler parts are you not? That's what you need to tell them.

And, yes they will increase your coverage as the car increases in value.
Click to expand...
they do not care what brand of parts you use..........
 
inkjunkie said:
do not just go by what you think the interpenetration is, call them. one thing they will not cover is a Cobra replica. One thing they will not cover, unless you buy the coverage is damage that occurs while racing the car. Like I said, mine has a full cage and they covered it. They know about the cage because I mentioned it to them and it was very visible in the pictures I provided.....
Click to expand...

I'm not aware of any insurance that covers you while going down the 1320. I know you can get track insurance, but while your going down the track you aren't covered. At least that's what all of the companies I have talked to told me.
 
I called haggerty for the scamp and they gave a $900 annual premium for my car when finished with an agreed value of $45,000. They went so far to insure the car up to $25,000 while I was restoring it because I told them it's all original sheet metal with no patch panels so in order to replace the car in case of a loss during restoration.

I currently have the car insured on my wifes Liberty Mutual Policy with an agreed value of $9,000 full coverage with a $100 deductable full coverage for $250 a year But as soon as she is in paint I will be switching to Haggerty.
 
inkjunkie said:
they do not care what brand of parts you use..........
Click to expand...

I realize that, but my point is he is still using Chrysler parts, so when he said Hemi that should not have come into play.

Hagerty knows what I have in/on my car and I have no problem getting it insured through them and I have many aftermarket parts, and there has been performance upgrades, which they did ask me about.
 
Corrupt_Reverend said:
Californian here. As long as your car is '74 or older, there's no problem. If I recall correctly, we used to have the emissions exemption roll over each year so that if your car was 30 years old, it was exempt. however, they stopped the roll-over in 2004.
Click to expand...

That's correct. It's the main reason I sold my '83 Hurst Olds to help fund the build of my '69 Dart - I didn't want to hassle with trying to get the non-stock Olds 403 engine in the Hurst Olds through registration and smog certification.
I can do anything I want with my '69 Dart.
 
johnparts said:
I currently have the car insured on my wifes Liberty Mutual Policy with an agreed value of $9,000 full coverage with a $100 deductable full coverage for $250 a year But as soon as she is in paint I will be switching to Haggerty.
Click to expand...

Is it agreed or stated, big difference. The reason I ask is I wasn't aware that they did agreed value. I could not find any traditional insurance companies that did when I was looking they all told me it would be stated value.
 
Badsport said:
I realize that, but my point is he is still using Chrysler parts, so when he said Hemi that should not have come into play.

Hagerty knows what I have in/on my car and I have no problem getting it insured through them and I have many aftermarket parts, and there has been performance upgrades, which they did ask me about.
Click to expand...
I have a feeling he has not picked up the phone yet and called them. The only trouble I had with them was when I insured a car when we lived in AZ. They asked about mileage and I said 6k a year. I ended up on the phone with an underwriter explaining to him that I was able to use the car year round there, but he still had an issue with it. I dropped it to 5500 a year and he was ok with that.....
 
Good grief, what a huge difference there, eh. How do they really know anyway, know what I mean. When I get to driving mine more I will keep track of the odometer in the beginning of the driving season just in case they ask, I won't go over.
 
Badsport said:
Is it agreed or stated, big difference. The reason I ask is I wasn't aware that they did agreed value. I could not find any traditional insurance companies that did when I was looking they all told me it would be stated value.
Click to expand...
My Best Friend is our Agent and he assured me it is Agreed because I had to submit an appraisal when we got the policy.
 
Caliy is easy to swap engines, as long as your model year is 1975 or earlier your good. Now the proper legal way is all the emission stuff from the donor engine must be installed and functioning properly, but most just swap the engine and call it good. GM has an emission legal swap LS crap for this very reason.
 
I have Hagerty on a few cars. Currently since the cuda is a work in progress they bump up the value as I progress. My policy also covers replacement parts, that I have, extra fenders and other parts.

Good company I was only with them about two weeks and I had a claim for over 6 grand. They sent someone out in two days and I had check in hand in less then a week. My premiums never went up.
 
Thanks again.
Ya I have not called them, just visited the site and it mentioned modified cars not covered.
I'll give them a call
 
I think my family just has insurance through State Farm and they did a sort of agreed value on my car when I got it all fixed up and the Hemi swapped in. We have a bunch of cars in the family though, so our agent is pretty understanding and does what she can to help us out. If I remember and understood it right they had different tiers for the Dart in particular, so while it's covered now, if I drop a whole lot more money into it they probably won't be able to insure it for what I have in it. So previously the car was only insured for something like $5000, but after the swap and new interior and all the work I've done I have it valued at something like $12,000, but I don't think they'll go much past that.
 
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