Affordable insurance for a car only driven 3-4 times a yr
#2781580
06/05/20 01:14 AM
06/05/20 01:14 AM
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Joined: Mar 2003
Posts: 4,848 Memphis
HemiRick
OP
master
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OP
master
Joined: Mar 2003
Posts: 4,848
Memphis
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Anyone know of any options? $200 a yr or $50 a drive is not reasonable. Does anyone besides me wish such ins. existed?
Take care, Rick 68 Coronet R/T 440 & 68 Charger 528 Hemi,and 5 Challengers! 6 cyl, 318, 360, 383, 451
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: HemiRick]
#2781586
06/05/20 02:35 AM
06/05/20 02:35 AM
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Joined: Jan 2007
Posts: 10,133 A Red State
SNK-EYZ
I Live Here
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I Live Here
Joined: Jan 2007
Posts: 10,133
A Red State
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It obviously depends on the type of insurance that you want, basic liability, full coverage, etc.
Some insurance companies let you suspend a policy when the car isn't being driven. State Farm limits that to 6 months tops of suspension (winter, etc) and after that you either have to reinstate it or cancel it.. I know guys that do that, they only put the insurance on it when they make plans to drive it.
You can also drop it down it just comprehensive (if you have full coverage) that way it's covered by acts of god while in storage.
Kayse can't keep up at all now. lol
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: A39Coronet]
#2781602
06/05/20 08:13 AM
06/05/20 08:13 AM
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Joined: Dec 2007
Posts: 19,908 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: 19,908
Puttin' on the foil in Charles...
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I can't recall how much I pay..maybe $400 a year...but I can tell you I saved over half going from Hagerty to Grundy for the same insurance. That low it's not worth it to me to do the on-off-on again dance. And all you have to do is forget to call and put the coverage back on one time, and have an accident when you do, and you are totally screwed. As far as $200/year being unreasonable for 3-4 drives...How are they being unreasonable with regard to what they charge you? How does the insurance company know that you only drive it 3-4 times?
Earning every penny of that moderator paycheck.
DBAP
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: A39Coronet]
#2781603
06/05/20 08:17 AM
06/05/20 08:17 AM
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Joined: Jan 2003
Posts: 8,395 Highland, MI.
Sunroofcuda
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master
Joined: Jan 2003
Posts: 8,395
Highland, MI.
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I can't recall how much I pay..maybe $400 a year...but I can tell you I saved over half going from Hagerty to Grundy for the same insurance. That low it's not worth it to me to do the on-off-on again dance. I switched to Grundy about 5 years ago on ALL my vehicles - including daily drivers. Cut my total bill almost in half. I've had two claims with them too & no problems.
No Man With A Good Car Needs To Be Justified
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: Sunroofcuda]
#2781625
06/05/20 09:56 AM
06/05/20 09:56 AM
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Joined: Aug 2005
Posts: 6,003 Salem
Grizzly
Moparts Proctologist
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Moparts Proctologist
Joined: Aug 2005
Posts: 6,003
Salem
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The insurance rep I used to have would let me "bind" coverage for a weekend: She would remove coverage from my daily driver, insure one of my old cars for a few days, and then switch it back. I'd never get a bill for it. I looked into Hagerty, and geez, do they ever know how to charge! My regular insurance company is discouraging me from using them even with my appraisals and is pushing to go with a specialty "market" ( "market", love it when they use that word ). I'm at a crossroads: keep my cheap rates with regular insurance and hope for the best in the event of a total loss, or pay through the nose to Hagerty for several cars that have secure storage, no chance of fire, and I only drive them a 100 miles in 10 years.
Mo' Farts
Moderated by "tbagger".
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: not_a_charger]
#2781682
06/05/20 12:13 PM
06/05/20 12:13 PM
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Joined: Aug 2005
Posts: 6,003 Salem
Grizzly
Moparts Proctologist
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Moparts Proctologist
Joined: Aug 2005
Posts: 6,003
Salem
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You get what you pay for. Only you can decide what's worth it to you. You sure do, especially my Sport Bike that has to have full coverage with 6 months of snow on the ground. Hagerty quotes $855.00 a year for a car that might see 2 days of use a year. OH, and speaking of hagerty, like bikes, they won't let you take coverage off to only fire and theft in the winter. Thieves. They have absolutely ZERO risk insuring these cars knowing full well how the Owners look after them. Talk about a gravy train business model. Rant off.
Mo' Farts
Moderated by "tbagger".
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: Grizzly]
#2781686
06/05/20 12:18 PM
06/05/20 12:18 PM
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Joined: Nov 2007
Posts: 21,823 Kirkland, Washington
Pacnorthcuda
Too Many Posts
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Too Many Posts
Joined: Nov 2007
Posts: 21,823
Kirkland, Washington
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You get what you pay for. Only you can decide what's worth it to you. You sure do, especially my Sport Bike that has to have full coverage with 6 months of snow on the ground. Hagerty quotes $855.00 a year for a car that might see 2 days of use a year. OH, and speaking of hagerty, like bikes, they won't let you take coverage off to only fire and theft in the winter. Thieves. They have absolutely ZERO risk insuring these cars knowing full well how the Owners look after them. Talk about a gravy train business model. Rant off. “ZERO” risk? Really?
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: not_a_charger]
#2781687
06/05/20 12:19 PM
06/05/20 12:19 PM
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Joined: Dec 2003
Posts: 22,696 Bitopia
jcc
If you can't dazzle em with diamonds..
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If you can't dazzle em with diamonds..
Joined: Dec 2003
Posts: 22,696
Bitopia
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From my experience, I had no problem adding vehicles and removing them as my needs changed with a single policy, as long as I had one vehicle insured on the policy. I might do that with say 3 different vehicles for maybe three months ea over the course of the year. It saved me a lot of money. It did require surrendering and replacing tags, but it still was worth it. However the local agent thought they were being abused (?) ( my interpretation) and they declined after a year to renew, so I got the policy renewed with the same company thru another agent. It didn't seem to me like it was a big imposition, when I'm spending thousands of dollars. Oh well.
Last edited by jcc; 06/05/20 12:39 PM.
Reality check, that half the population is smarter then 50% of the people and it's a constantly contested fact.
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: Grizzly]
#2781688
06/05/20 12:20 PM
06/05/20 12:20 PM
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Joined: Dec 2007
Posts: 19,908 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: 19,908
Puttin' on the foil in Charles...
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They have absolutely ZERO risk insuring these cars knowing full well how the Owners look after them. Talk about a gravy train business model. If it's zero risk, don't insure them. Why waste your money? No one will ever know, since you'll never get into an accident.
Earning every penny of that moderator paycheck.
DBAP
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: jcc]
#2781699
06/05/20 12:29 PM
06/05/20 12:29 PM
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Joined: Sep 2014
Posts: 1,407 Central Pa
moparjim79
pro stock
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pro stock
Joined: Sep 2014
Posts: 1,407
Central Pa
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Hemi Rick, I'm not sure what type of vehicle you want to insure( pleasure, recreation, wood hauler/farm) but $200 a year is pennies man. Every time I get into or have gotten into a convo like this I always think about 2 things right away: 1- the time I crashed my charger, months after I had it painted. My insurance company laughed at me when I asked if they totaled it would I get reimbursed for all the monies I had into it ( I kept receipts for everything, down to each fill up.) They said $600 was the maximum (in 2002). I switched to Hagerty and was thrilled with the coverage and price after that. Total was $285 annually, unlimited mileage, $25k agreed value coverage. Like I said, pennies.
The second thing is, I remember a story in MCG several years back. Original owner of an all original unmolested 71 hemi charger and another rare and valuable ride, destroyed in his garage due to a fire. For some reason, he had no insurance on the cars. My jaw hit the floor. Hagerty even insured my project cars for agreed value.
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: Grizzly]
#2781711
06/05/20 12:39 PM
06/05/20 12:39 PM
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Joined: Jan 2003
Posts: 7,538 Albany, NY
67SATisfaction
The member whose name is actually Art
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The member whose name is actually Art
Joined: Jan 2003
Posts: 7,538
Albany, NY
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My regular insurance company is discouraging me from using them even with my appraisals and is pushing to go with a specialty "market" ( "market", love it when they use that word ). I'm at a crossroads: keep my cheap rates with regular insurance and hope for the best in the event of a total loss, or pay through the nose to Hagerty for several cars that have secure storage, no chance of fire, and I only drive them a 100 miles in 10 years. You ought to be just fine going with a Specialty insurer recommended by your regular agent.. Ask her all the coverage questions that concern you and she should be able to answer you clearly. I went through my regular auto insurer to get 'Specialty Car Coverage', and they came up with a company that gives me Agreed Value, and all the coverage I feel necessary, and it's about $1,100/year for all 5 cars, classics & exotics. Haven't had a claim yet, but I love my regular insurance company and don't think they'd affiliate themselves with a bad Speciality Insurer. Cheers, - Art
65 Satellite hardtop 361/4bbl console 727 2.76 67 Satellite convert 383/2bbl column 727 3.23 67 Lancia Fulvia Sport 1.3 Zagato. Alloy body, 1.3L V4 DOHC 4-spd 67 Lancia Fulvia Rallye 1.3. Alloy panel, 1.3L V4 DOHC 4-spd 71 Alfa Romeo GT Junior 1300 Zagato, 1.3L 4cyl DOHC hemi 5-spd 82 Alfa Romeo GTV6 2.5L SOHC hemi V6 5-spd transaxle 75 Maserati Bora US spec 4.9L DOHC hemi V8 5-spd ZF 77 Maserati Khamsin Euro spec 4.9L DOHC hemi V8 5-spd ZF 07 Aston Martin DB9 6.0L DOHC V12 6spd transaxle
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: HemiRick]
#2781803
06/05/20 04:27 PM
06/05/20 04:27 PM
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Joined: Mar 2003
Posts: 4,848 Memphis
HemiRick
OP
master
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OP
master
Joined: Mar 2003
Posts: 4,848
Memphis
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My complaint is that you can drive a car every weekend or only 3-4 times a yr and the price is the same.,..This is a ripoff, also I'm not talking about 1 car, I have like 15 cars. Since the city/state has gotten serious about insurance enforcement I've quit driving them. I was just wondering if anyone knew something that I didn't. I have a daily driver insured w USAA.
Last edited by HemiRick; 06/05/20 05:37 PM.
Take care, Rick 68 Coronet R/T 440 & 68 Charger 528 Hemi,and 5 Challengers! 6 cyl, 318, 360, 383, 451
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: HemiRick]
#2781810
06/05/20 04:43 PM
06/05/20 04:43 PM
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Joined: Sep 2014
Posts: 1,407 Central Pa
moparjim79
pro stock
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pro stock
Joined: Sep 2014
Posts: 1,407
Central Pa
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My complaint is that you can drive a car every weekend or only 3-4 times a yr and the price is the same.,..This is a ripoff, also I'm not talking about 1 car, I have like 15 cars. Since the city/state has gotten serious about insurance enforement I've quit driving them. I was just wondering if anyone knew something that I didn't. I have a daily driver insured w USAA. Been down the multiple car road. All were insured. 200 annually is not a rip-off man, sorry. Think about what you have to lose if you injure/maim/kill someone or a family or multiple people. And, the city/state should be on EVERYONE'S A$$ about insurance. Ever gotten hit by someone without it?
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: HemiRick]
#2781865
06/05/20 07:13 PM
06/05/20 07:13 PM
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Joined: Dec 2007
Posts: 19,908 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: 19,908
Puttin' on the foil in Charles...
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My complaint is that you can drive a car every weekend or only 3-4 times a yr and the price is the same.,..This is a ripoff, also I'm not talking about 1 car, I have like 15 cars. Since the city/state has gotten serious about insurance enforcement I've quit driving them. I was just wondering if anyone knew something that I didn't. I have a daily driver insured w USAA. Like I asked before, how is the insurance company supposed to know how often you are driving it?
Earning every penny of that moderator paycheck.
DBAP
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Re: Affordable insurance for a car only driven 3-4 times a yr
[Re: not_a_charger]
#2781943
06/05/20 10:38 PM
06/05/20 10:38 PM
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Joined: Dec 2003
Posts: 22,696 Bitopia
jcc
If you can't dazzle em with diamonds..
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If you can't dazzle em with diamonds..
Joined: Dec 2003
Posts: 22,696
Bitopia
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The flip side is, how is the Insurance supposed to know if I might be driving my car 3,000,000 miles a year? They are playing the averages, its a shared risk concept.
Reality check, that half the population is smarter then 50% of the people and it's a constantly contested fact.
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