Who do you use to insure your hot rods/classics/rat rods? I've discovered most standard insurer's like Farmer's won't insure any thing older then 1980. I currently have a 26 Ford t coupe rat rod and a bone stock barn find 53 Ford f100 insured through Hagerty. Been with them for a decade. Always the best deal. This year however during the renewal process there was a modest increase but not to severe. I pay by the year. I was about to pay it yesterday but was sent another Hagerty statement. This one was $160 more.
Talk to them about how you actually use your car. I have a daily driver but in the nice weather I drive my car to work the store etc. Some companies have restrictions on how you use your car. Also Haggerty has the drivers club for flatbed use when your car breaks down. Used it a few times.
I've had Farmers for decades, but I just have liability on the old cars. I use them as cars, and Farmers seems fine with insuring them as old cars, and the liability insurance is pretty affordable. My inquiries into the specialty places like Hagerty, etc shows they really don't want to insure me if I use them as cars, they'd rather I just drove them to car shows.
AAA has classic car insurance policies, as well. My '40 Ford is strictly a fair-weather weekend driver, and their quote was substantially less than Hagerty. They also readily agreed to the value I placed on it, which was about $10k more than I paid for it. They did give me a mileage restriction. but I'm always way under their cap.
I've been with Grundy for almost thirty years now they have a bundle price for multiple cars even daily drivers they do get a bit nosie on your storage for your car though.
And I would not be at all surprised if we all didn't have to help pay for the fire damage in Cali by way of rate increases.
Was just curious. I could not find a thread on here covering this topic so I asked. Where I live in Mesa Az we have thousands of old cars seen on the roadways especially now in the winter but as soon at our 100 degree days arrives right at the end of spring training the cars get parked. We average 115 all summer long. It's hot on me and the moving parts. With most insurers not wanting to cover cars much older than 1980 I was just wondering where those who lack adequate storage insure theirs. I have a garage to park two in and do. But I also have two versa tube carports. Hagerty said they are acceptable as storage but I think my rates went up because of the carports. I don't mess around with these people. I tell them up front what I have and where it's stored. Anyway thanks for the info.
I have my 61 Dodge insured by State Farm. $22.00 a year. just to keep the tags up to date. I've put about 30,000 miles on it in 32 years.
whatever the minimum required coverage is, that's what I got. I believe I am limited to 300 miles a year. the farthest I ever drive it is 15 miles to Pleasanton for the Goodguys show.
I have Hagerty on 4 cars and my enclosed trailer. Nice people to work with. Note: Add "cherished coverage" to the policy at Hagerty. It costs very little and if your car is totaled you get the full amount of the agreed upon insured value AND you get to keep the car if you so desire. I have expensive engines, ass ends, tires/wheels, trannys, gauges, etc. ask about it.
This is me too. I have 3 vehicles on my car insurance. One is a 48 Plymouth coupe, one is a 49 Dodge pickup, and the other is my wife's 04 ride. Two 75+ year old vehicles and one 21 year old vehicle, all with just liability coverage on them through Farmers. Try that with most insurance companies. With all the disasters that have happened over the last year or two, I would expect all the insurance premiums to go up this next renewal time. my home and autos are bundled together and fortunately just renewed this month (before they have to pay out for the CA fires).
We have all of our vehicles and our home insured with West Bend. I had my 2 old rides with just liability and my agent called and told me I could save money by going with their speciality insurance, and they put no limits on the type of driving you do (short of commercial). Agreed value and less premium was a no-brainer. Gary
ANPAC for my 56 F-100 and 55 Tbird. Cheaper than Haggerty by quite a bit, agreed value for both, but anything over $25000 value, had to have a qualified appraisal. Mileage limits too, was 2500 a year for each. But my agent didn’t take the mileage on either when he insured them several years ago, so how would they know how much I drive them? Had the same company coverage on both my dds, but last renewal time the price went up considerably, so I changed companies for them and saved several hundred dollars. This company also had a claim free cash back program. I got a letter last week saying they are doing away with that. The insurance world is changing, and the policy holder will bear the brunt of these changes, if they are even lucky enough to get and retain their insurance.
I'm pretty well the same as Jim, in recent years I just carried liablility on my older cars and the 48 simply because I didn't have all that much money in it. That may be subject to change because I have more money tied up in a stack of parts than I had in the whole truck in 1982 even if you change 1982 dollars to 2025 dollars.
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