Insurance

[cuisinartvette]

im guessing theres a lof fine print and exclusions in that one, read it carefully.
Dropped my classic policy with Safeco and have a reg one just comp as its not being driven. Less value but $3 a month...Just temporary.

[-=Jeff=-]

Originally Posted by LGAFF

If you drive your car mostly to club events, shows, etc with the occasional social use they are open to quoting you.

So going on a nice cruise on a Sunday would not be covered ( if you go by yourself) as it is not really social use..

for now, I will stick with State Farm, currently book value is more then I paid for it

[32valvZ]

It does seem pretty low to me too. I guess I can understand why the rates can be reduced based on their parameters. The only thing that bothers me is how far away the company is from where I am. I live in a fairly small town & my agent is 5 miles from here. I like being able to do business face to face, especially in the event of an accident.

Thank you for posting the link and the phone number though! Its definately an option for some of us.

[LGAFF]

There are not exclusions for leisure driving in the policy, they are tough on the UW part. There are alot of people who are trying to insure daily drivers or higher use cars under the policy so the UW process is designed to weed those out. The # listed is for 300K limits. and much of the premium is based on vehicle ACV.

LGAFF
92 ZR1
#234

**I did look at the application, they note car is not to be used for work, shopping, or school.

[WB9MCW]

LG did you end up with them?

Did they stick to $212

Is it ok to use at the Drag Strip? Or is it tough luck if u crash at the strip?

I think I am gonna try these guys.

[LGAFF]

Karterdon has insurance with them, I am goign to get coverage once I get the 2nd car. They are really looking for people that use the car less than 3K miles per year. Let me know how it goes, I may go with Heacock Ins as they offer a huge discount for a 2nd car.

The advantage with the Condon and Skelly car is that theyh offer coverage at the track if you are at a club event.

LGAFF
92 ZR1
#234

[tomtom72]

Sweet deal for your situation!

I would offer up this as an alternative for those of us that drive our Z's a bit more........usually only one Z in the household.

Try asking your regular car ins carrier if they have any "in-house speciality" products/ clauses that recognize a unique usage pattern for valuable cars. You may be surprised what you find if you are with one of the bigger companies. I am not well versed by any means on this subject. I just called my agent, customer since about 1980 with a local independent agent, and they hooked me up with the company that had my DD. They had a product for people like me that do about 5k to < 12k a yr. It wasn't as cheap as the real speciality companies, but those guys did not really have a product that fit my driving habits. My 08 Cobalt Sport and my 90 Z cost me $158.00 @ month for agreed value on the Z and 300/100/50 w/ 1k ded on both cars. Don't get me wrong here. There are restrictions, logical ones...ya know ya gotta have a DD, garage, they assume you're sane.....no racing, good record @ DMV, usual stuff.


tom

[WB9MCW]

No go with C&S has to be 25 years old.

I brought up that the website stated 15.

Unless you are an existing client then maybe 15.

So much for C&S.

[WB9MCW]

Tried American Collectors and they wanted $416 per year for 25K coverage.

This is higher than my current company @ $400.

Where are these $200 deals at?

[LGAFF]

You must call in to Condon and Skelly ask them for their concours policy. If the person who answer the phone does not understand, ask them to speak to the agent.


LGAFF
92 ZR1
#234