Re: Do u still need a garage to get classic car insurance?
[Re: rdrnr6970]
#3207450
01/23/24 10:58 AM
01/23/24 10:58 AM
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Joined: Feb 2009
Posts: 804 Houston, Texas
racerx20
Standard but OK
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Standard but OK
Joined: Feb 2009
Posts: 804
Houston, Texas
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I've been with both Hagerty and American Modern and both require secure garages.
1972 Road Runner
1988 Shelby CSX-T
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Re: Do u still need a garage to get classic car insurance?
[Re: 318 Stroker]
#3207463
01/23/24 11:35 AM
01/23/24 11:35 AM
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Joined: Jun 2004
Posts: 3,387 St. Charles, MO
wingman
Uncreative Title
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Uncreative Title
Joined: Jun 2004
Posts: 3,387
St. Charles, MO
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I have been with two companies over the years (Hagerty, and American Collectors Insurance through USAA). Both policies required the car to be stored in a locked secure garage.
You may be able to possibly negotiate a policy without a garage, but my guess is that if it is possible you will pay more.
1969 Dodge Coronet Super Bee 383 A4 1970 Plymouth Road Runner 440 FC7 (sold)
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Re: Do u still need a garage to get classic car insurance?
[Re: rdrnr6970]
#3207489
01/23/24 12:43 PM
01/23/24 12:43 PM
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Joined: Dec 2007
Posts: 19,968 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 19,968
Puttin' on the foil in Charles...
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It would depend upon the insurer, but every classic car insurer I'm aware of requires that the car be kept in a locked garage.
Earning every penny of that moderator paycheck.
DBAP
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Re: Do u still need a garage to get classic car insurance?
[Re: BDW]
#3207529
01/23/24 02:08 PM
01/23/24 02:08 PM
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Joined: Jun 2003
Posts: 21,456 It's a dry heat
gtx6970
Too Many Posts
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Too Many Posts
Joined: Jun 2003
Posts: 21,456
It's a dry heat
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Not only a garage, but proof of another vehicle also. I dont think Haggerty ever asked me if I had another vehicle. Just asked if mine was going to be daily transportation I live in an area where I can and do drive mine year round and not exclusively for shows or cruises. I am able to take it to dinner or breakfast when I want,, And I do. And it is stored indoors at all times at my residence in the attached garage. Only limitation I have is it is NOT my daily driver Mine is Haggerty , agreed value of $105k, annual premium is I think right around $750-$800 a year. Wife pays it so I dont remember exact costs. If I want to use it exclusively for shows or cruises I can make adjustment to lower the annual costs . Stored offsite raises the annual costs as well I chose to drive my car when I want, for the most part where I want. So this works for me. And I drive it, A LOT. a\Actually just a click over 11,000 miles in 3-1/2 years
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Re: Do u still need a garage to get classic car insurance?
[Re: gtx6970]
#3207557
01/23/24 04:04 PM
01/23/24 04:04 PM
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Joined: Feb 2003
Posts: 10,220 Someplace you aren't
SomeCarGuy
I Live Here
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I Live Here
Joined: Feb 2003
Posts: 10,220
Someplace you aren't
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One that that has changed over the years is the second (or more) vehicle doesn’t have to be garaged. Twenty years ago they told me I’d garage my daily and leave the collector car outside because it was insured. It was Hagerty or some other well known one, wasn’t Grundy as I went with them back then.
Ludicrous.
Told them they lost my business that day. Then a couple years ago I went down the list again and nobody told me I had to have enough space for all vehicles to be garaged. I specifically asked each place.
I want my fair share
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Re: Do u still need a garage to get classic car insurance?
[Re: gtx6970]
#3207559
01/23/24 04:13 PM
01/23/24 04:13 PM
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Joined: Jan 2003
Posts: 5,334 Land 'O Lakes
RoadRunnerLuva
master
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master
Joined: Jan 2003
Posts: 5,334
Land 'O Lakes
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I have American Collectors insurance. It's an AGREED value policy. They require a secure locked garage for your classic vehicle, and you must have a daily driver type vehicle as well. In certain states, they also give you a discount, for using a historical plate on your car (say from: 1968)...you must Email a picture to show proof of registration for the discount. Another discount they offer is.... not driving your car during the winter months of Dec/Jan/Feb. Called a " Layup Discount". You must E-sign a document for this. Also...depending on how many miles you drive, you can save money on your policy too. I only drive my Duster a couple hundred miles each year, so I have the minimum 1,000 mile tier, on my policy, which saves money. IIRC you can choose up to 5,000 miles per year. My premium is less than $300 a year. Hope this helps.
Last edited by RoadRunnerLuva; 01/23/24 04:19 PM.
Plymouth Makes It!
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Re: Do u still need a garage to get classic car insurance?
[Re: RoadRunnerLuva]
#3207564
01/23/24 04:27 PM
01/23/24 04:27 PM
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Joined: Jan 2003
Posts: 8,030 Tulsa OK
Bad340fish
master
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master
Joined: Jan 2003
Posts: 8,030
Tulsa OK
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I had my Conquest insured through Hagerty and they were aware it was not garaged. It was only insured for 10K though maybe there is limits there.
68 Barracuda Formula S 340
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Re: Do u still need a garage to get classic car insurance?
[Re: Bad340fish]
#3207620
01/23/24 07:38 PM
01/23/24 07:38 PM
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Joined: Dec 2007
Posts: 19,968 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 19,968
Puttin' on the foil in Charles...
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I had my Conquest insured through Hagerty and they were aware it was not garaged. It was only insured for 10K though maybe there is limits there. Hagerty has a long history of telling customers what they want to hear over the phone, even if those things contradict the actual policy. I don't doubt a bit that you were told that, but had you had a claim due to being parked outside, you'd have potentially had a serious problem.
Earning every penny of that moderator paycheck.
DBAP
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Re: Do u still need a garage to get classic car insurance?
[Re: not_a_charger]
#3207649
01/23/24 09:38 PM
01/23/24 09:38 PM
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Joined: May 2019
Posts: 6,291 nowhere
Sniper
master
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master
Joined: May 2019
Posts: 6,291
nowhere
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I had my Conquest insured through Hagerty and they were aware it was not garaged. It was only insured for 10K though maybe there is limits there. Hagerty has a long history of telling customers what they want to hear over the phone, even if those things contradict the actual policy. I don't doubt a bit that you were told that, but had you had a claim due to being parked outside, you'd have potentially had a serious problem. You know, it is perfectly legal in Texas to record a phone conversation as long as at least one person party to the conversation gives permission and yes, you can be that person. Wonder how that would play out in court?
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Re: Do u still need a garage to get classic car insurance?
[Re: Sniper]
#3207661
01/23/24 10:03 PM
01/23/24 10:03 PM
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Joined: Dec 2007
Posts: 19,968 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 19,968
Puttin' on the foil in Charles...
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If you could prove that a company representative assured you that you were covered, or you could do this or that, the insurance company would have to abide by what their representative said...for the most part.
Earning every penny of that moderator paycheck.
DBAP
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Re: Do u still need a garage to get classic car insurance?
[Re: not_a_charger]
#3207664
01/23/24 10:19 PM
01/23/24 10:19 PM
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Joined: May 2019
Posts: 6,291 nowhere
Sniper
master
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master
Joined: May 2019
Posts: 6,291
nowhere
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If you could prove that a company representative assured you that you were covered, or you could do this or that, the insurance company would have to abide by what their representative said...for the most part. Thank you
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