insurance for a daily driver / old car ?

Mopar General Discussions

  1. rustytoolss

    rustytoolss Well-Known Member

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    how are you guys insuring your daily driver/ classic car ? Thinking of buying a mopar wagon that I can drive during the weekends to the campground. Something like a 62-64 mopar. Most specialty companys (hagerty etc) limit general driving. and say car must be in a garage .
     
  2. dano

    dano Evil Handy Man

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    I have Heacock and yes to limited driving and stored in a garage. They wouldn't cover my 79 F-150 that i drove like 20 miles a year even when it was parked 100% of the time off the street beside my house. For a daily you'll need to go to any of the big insurance company's.
     
  3. George Jets

    George Jets 1967 Dart 2 Door FABO Gold Member

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    Farmer's
    Just added it to my regular car policy with liability only, 65 dollars for 6 months.

    '76 Truck
     
  4. rustytoolss

    rustytoolss Well-Known Member

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    I have Allstate for normal daily. And Chubb for my other classic cars. But Chubb wants it garaged/ and limited use.
     
  5. rustytoolss

    rustytoolss Well-Known Member

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    Is that full coverage / or just basic coverage ?
     
  6. George Jets

    George Jets 1967 Dart 2 Door FABO Gold Member

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    Just basic coverage.
     
  7. tonysrt

    tonysrt FABO Gold Member FABO Gold Member

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    Your best bet on a daily driver would be regular , not classic, car insurance. God forbid an accident or stolen vehicle you have to make up stories why and where things happened. Many years ago my Honda Civic was stolen and Insurance Co. asked why car was in Brooklyn and I told them I tell you I commute to work with it. They didn't like being on the hook for the damage when I got the car back, but of course my ass was covered.
     
  8. 75slant6

    75slant6 Well-Known Member

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    I have Haggarty and they never said anything about mileage restrictions or needing to be garaged
     
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    • belmateo

      belmateo Well-Known Member

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      Haggerty clearly states that your vehicle MUST be garaged.
       
      Last edited: Sep 9, 2020
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      • DrCharles

        DrCharles Well-Known Member

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        Hagerty and others had way too many restrictions for me. Since I also wanted the option of a modest nitrous system (NOS Powershot 125 hp), I found that only Heacock Classic (underwritten by American Modern) would cover my Dart. So that's who I went with ;)
        They also allow pleasure use, not just driving to shows and parades. Although like all classic insurance, they do require that the car be kept in a locked garage when not in use.
         
      • rustytoolss

        rustytoolss Well-Known Member

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        I'll have to check with AllState and also Heacock. It would be nice to have a vehicle that I could drive during the nice weather weekends ( that did not have to be to a car show...getting tired of that !/ 3 cars and never get to drive them...time to start thinking of selling some, and buying a real driver/ with user friendly insurance.)
         
        Last edited: Sep 9, 2020
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        • 75slant6

          75slant6 Well-Known Member

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          So I just read over my Haggarty policy. No mention of mileage restrictions or needing to be kept in a garage. Only restriction close to either of those is that you must have another car insured with another company and your classic car can’t be claimed as your daily driver, only a pleasure vehicle.
           
        • George Jets

          George Jets 1967 Dart 2 Door FABO Gold Member

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          You don't want to have Collector Plates on your daily driver, that is where you can get into trouble doing anything other than parades and car shows.

          Need to get the regular plates with the yearly renewal. So you are paying the tax to use the road.
           
        • DrCharles

          DrCharles Well-Known Member

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          Isn't that what the state gasoline tax is for?
           
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          • RustyRatRod

            RustyRatRod I was born on a Monday. Not last Monday. FABO Gold Member

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            GEICO. I don't want classic car insurance. It's nobody's business WHERE I keep it, HOW MUCH I drive it, or whether i's restored or not. Screw them companies. Most companies will send an adjuster out and give you an agreed on amount for a policy. We're lucky that we have a really good adjuster. He knows enough to know when he sees a little rust and bondo, it's not a POS.
             
          • g413

            g413 Well-Known Member

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            I agree with the above comments. You do not want classic car insurance. Add it as a second car to your regular insurance. One guy said Farmers only charged him $65 for 6 months -- a good deal. My Farmers agent quoted me more than $200 for 6 months for liability only.
             
          • Tbone416

            Tbone416 Well-Known Member

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            My wife is an insurance agent for Nationwide she's been one for 18 years she has ours with Haggerty on the GTX we have roughly $28,000 agreed value at about $500 a year like 486 actual cost no limit on mileage you can run standard plates I hope this helps
             
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            • MiradaMegaCab

              MiradaMegaCab Well-Known Member

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              I got a 1980 Dodge Mirada daily driver insured with Nationwide.
              $1100 a year for basic liability....

              Clean drivers license, no tickets or accidents............

              Im switching to Hagerty
               
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              • Tbone416

                Tbone416 Well-Known Member

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                what state are you in
                 
              • MiradaMegaCab

                MiradaMegaCab Well-Known Member

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                C0A3BE32-4C0A-42E8-BCEF-E046FF09C5BC.jpeg
                NY
                Long Island..... in a town that’s considered nice and somewhat “upscale” .....
                Here’s my policy for basic daily driven liability on these cars....
                That’s $2015 for a 6 month policy with Nationwide. I’ve shopped around and that’s the going price in my area....
                 
              • Thomas Dennis

                Thomas Dennis Well-Known Member

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                I had to get a plate for my Duster It was in my driveway and the wind blew the cover off Even though I put the cover back on I got a notice the next day from code enforcement. I live on a dead end in the back of a neighborhood. I had USAA put storage insurance on it just to get a plate so the efing neighbor would leave me alone. Yes I know who did it
                 
              • Cuda Hunter

                Cuda Hunter Well-Known Member

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                Look into broadform insurance. I currently have 15 registered vehicles covered with broadform.
                It doesn't give you a lot of coverage but it makes it so you can have multiple cars that can be registered and driven. I'm about 650.00 for a full year of broadform through farmers insurance. Not all states allow this. Colorado does.
                 
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                • Charrlie_S

                  Charrlie_S Well-Known Member

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                  In my county (marion) in Fl, we don't need to have plates/tags on every vehicle on our property. I have 10 vehicles, with three insured and tagged. Our county has a "unserviceable vehicle" code. As long as the vehicle will start and move under its own power, it is legal. If it is "unserviceable" it must be kept in a completely inclosed structure. A harbour freight carport meets the requirement, if you close it in with tarps.
                   
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