[T3] 67 notch Insurance?

[Brion Sabbatino]

I have had collector car insurance for decades. I currently use Hagerty. There seems to be no way to eat your cake unless your willing to pay. I have no limit on mileage, can drive to any event or take a leisurely cruise. The insurance is for a classic car and not for a daily or occasional driver for routine daily events. For that you need to pay up and get the appropriate policy from a normal insurer. Certainly one could taunt fate and hope nothing ever happened. But if it did...the policy would not pay out and you would be blacklisted. I drive approximately ten thousand miles a year. This is spread throughout the fleet of two conventionally insured vehicles, a Harley,  scooters, mopeds, and the classics (6). It does seem crazy that no insurance company offers a policy for just liability and then an extra premium based on the value and characteristics of each vehicle. I can only drive one at a time. So I guess just be certain your insured for your use and an agreed value in case of total lost.
Brion S aka zionbrionS. Utah

> Date: Thu, 13 Feb 2014 21:07:08 -0600
> From: gbforsmo at gmail.com
> To: type3-vwtype3.org at lists.vwtype3.org
> Subject: Re: [T3] 67 notch Insurance?
> 
> In Wisconsin there are a variety of state issued license plates.
> 
> The insurance companies seem to write policies and collect premiums based
> on several criteria:
> 1.)  Classification (Antique, collector, hobbyist) ... each type has
> restrictions.  I choose Collector because my car was over 20 years old when
> I applied for my #855.  Collector cars pay a one-time fee (mine in 1989 was
> $40.00, currently they are $200.00)  I can drive my '69 any time I wish ...
> but I MUST own a modern car and license it annually.
> 2.)  Where the car is "stored or garaged" (Zip Code) has a bearing on the
> insurance rate.  And coverage can be changed ... ala collision, liability,
> etc. day-to-day, week-to-week, etc.
> 3.)  Premiums can change if the storage location is locked or unlocked.
> 4.)  Accidents, tickets, etc. also enter into the premium picture.
> 
> I've had State Farm Insurance since 1952.  Only three agents. 62 years.
>  Cars, boats, motorcycles, etc.  Our motor home is NOT insured by State
> Farm but by a company which understands & specializes in RV's.  State Farm
> doesn't compete in the RV market very well.
> 
> -- 
> Gary "Frito" - '69 Variant, FI, MT
> Rockport, TX (winter)
> Lake Geneva, WI (summer)
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