I need to find insurance for my 36 ford out here in Calif. Anybody recommend a insurance co that works with cars this old?
It5 depends. If you are insuring it as a "vintage vehicle" they have mileage restraints and "to and from car shows" restraints. Most companies will insure it as a standard auto with liability only...I have my '41 ford at mercury and my '50 chrysler at AAA. If it hasnt been insured they usually require an inspection (lights, horn, blinkers, brakes). Pretty simple really, you just usually have to go to their offices and bring the car for them to inspect.
Regular AAA insurance is good, but I never had to have a car inspected. AAA has a "classic" and "collector" car insurance program but they seem sticklers about it, they turned me away because my truck was not clean/washed. They would not take a picture and said the underwriter would not accept a dirty car.WTF Or check with these guys. American Hobbyist.http://www.americanhobbyist.com/
Yeah, the collector programs are for finished cars or works in progress, and then you have provide proof that it is going towards a finished product. Every time i have had something insured they wanted an inspection though, if it had never been insured before.
I have insured all of my old cars with State Farm. Never had any problems with getting money out of them when I have been hit. I even totaled one and they were very quick to get me a check, no weird insurance company bs.
I get mine through some company that's changed their name about three times since I started with them about 15 years ago. Now they're called American Modern Home Collector Car Insurance, or "American Modern" for short I think. I don't know if they've changed their rules, but all I had to do was send them a few pictures of the cars I've insured through them, and a written description of them, and a picture of the car in the garage. All they want is proof that the car is garaged, and that the car is how you describe it. You're not supposed to use the car for driving to work -- only "pleasure driving" and they have an "agreed upon" coverage of whatever you say you think your car is worth. No hassles. One yearly payment. They'll only insure a "finished" car though, so don't send them pictures of a car with no engine in it or a car up on blocks.
I have my 36 insured with American Hobbyist with no problems. They did require a few pictures and want a mileage reading each year. I've never gone over on the mileage and they did require it to be in a locked garage.
American National Insurance has a "CHROME" program specifically for classics, hot rods, etc etc and is excellent.
i recently bought classic/collector car insurance from AAA. my annual payment is $222.XX and insured for 30k. you don't have to park it in the garage anymore and they don't come to your house to make sure and take pics. they just take the pis all at there office.
What Low said---I got State Farm and always been good to me---it helps if you got EVERYTHING with them---house,daily drivers--I got 5 cars with them---3 hot rods and my insurance guy is a hot rodder--so that helps too.
I use State Farm, although I don't have a 30's car. They fully cover my wifes '51 Cadillac with a 10,000 mile max per year for $15k and it only costs me like $116 every 6 months. I forgot to add that is with a multi car, multi line, and loyalty discounts.
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