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05-29-2019, 04:43 PM | #1 |
Junior Member
Join Date: May 2019
Location: Kingsburg, CA
Posts: 2
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Insuring '28 coupe
Just pulled my '28 coupe out of the dust bin, and hoping to fire it up soon. When I used to drive it, I had insurance coverage that was very economical. Where's the best place to buy reasonable liability coverage. It's a toy, so I don't need full coverage.
Background; Years ago had lots of fun running the kids around town, but life just got too busy. Now days I have more time than money, so I decided restoring it would make a good 10 year project. Since I never was one to turn a wench, this will be a strong learning curve for me, but there are still plenty of old(er than I) men around to help me through (and most likely a few younger ones who know more than I ever did.) The car is cosmetically pretty rough, but mechanically in decent shape. My adult children are all behind me in this endeavor having fond memories tooling around town in the Mother-in-law seat. My wife thinks I'm crazy, but that's the story of my life.
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Farmhand aka Clifford aka Grandpa |
05-29-2019, 04:55 PM | #2 |
Senior Member
Join Date: May 2010
Location: new britain,ct 06052
Posts: 9,390
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Re: Insuring '28 coupe
I have Hagerty, reasonable.
Paul in CT WELCOME ! ! ! ! |
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05-29-2019, 05:05 PM | #3 |
Senior Member
Join Date: May 2015
Posts: 292
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Re: Insuring '28 coupe
Hagerty x2
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1931 Model A Victoria 1950 Mercury 8 Member: MAFCA, MARC, Northern Ohio Model A Club www.northernohiomodela.com |
05-29-2019, 05:08 PM | #4 |
Senior Member
Join Date: Mar 2017
Location: Connecticut Shoreline
Posts: 1,824
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Re: Insuring '28 coupe
We have used J. C. Taylor for the last 40 years. $171.00 per year with agreed value, we have high liability limits. Enjoy your car.
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05-29-2019, 05:12 PM | #5 |
Senior Member
Join Date: Jun 2017
Location: Walla Walla, WA
Posts: 1,045
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Re: Insuring '28 coupe
I think you'll find that Hagerty and Grundy are the two names that come up most often. I have Grundy.
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05-29-2019, 05:15 PM | #6 |
Senior Member
Join Date: Jan 2019
Location: Florida Panhandle
Posts: 585
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Re: Insuring '28 coupe
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05-29-2019, 05:18 PM | #7 |
Senior Member
Join Date: May 2010
Location: Southern California
Posts: 7,032
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Re: Insuring '28 coupe
At least check with the agent that handles your daily drivers. Sometimes there is a discount for bundling things together.
Also check with your current agent to see if there is any problem using two companies? It used to be with some companies if you bought a new car you would automatically have 30 days coverage but this clause was voided if you had insurance with two companies. Gotta love that fine print. Charlie Stephens Last edited by Charlie Stephens; 05-29-2019 at 05:30 PM. |
05-29-2019, 05:46 PM | #8 |
Senior Member
Join Date: Dec 2010
Location: Kritter Krick, Flaw-duh
Posts: 1,158
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Re: Insuring '28 coupe
I've had State Farm for decades - maximum liability and agreed value collision/comprehensive never over $100 per 6 months on antique cars. I have discount for multi-line (home, modern rides,etc), accident free and limited mileage - the latter did not limit where/when I could drive, just total annual mileage which was plenty to cover the antique driving.
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05-29-2019, 08:24 PM | #9 |
Senior Member
Join Date: May 2010
Location: N. GA
Posts: 532
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Re: Insuring '28 coupe
Hagerty... about 5 yrs ago I decided to restore my Shelby and Hagerty is the only one who would insure a car while it was undergoing the restoration. I have 2 Model A's insured and the rate is very reasonable for full coverage (less than liability on my modern cars).
TerryO |
05-29-2019, 08:36 PM | #10 |
Member
Join Date: Dec 2018
Location: Central Illinois
Posts: 70
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Re: Insuring '28 coupe
My '31 costs $124 a year through American family
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05-29-2019, 08:38 PM | #11 |
Senior Member
Join Date: May 2010
Location: Fountain Valley, Calif.
Posts: 937
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Re: Insuring '28 coupe
AAA works very well for me, as I have my other insurance with them.
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05-29-2019, 09:31 PM | #12 |
Senior Member
Join Date: May 2011
Location: SW Virginia near the Blue ridge Parkway
Posts: 674
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Re: Insuring '28 coupe
I have five with Hagerty all with agreed value, towing etc $491.00
'29 coupe, '29 CCPU, '31 Tudor, '31 AA LWB, '82 CJ7 |
05-30-2019, 03:17 AM | #13 |
Senior Member
Join Date: Nov 2011
Location: Sonoma, CA.
Posts: 1,497
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Re: Insuring '28 coupe
J.C. Taylor for over 50yrs.
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05-30-2019, 07:01 AM | #14 |
Senior Member
Join Date: Aug 2018
Posts: 2,332
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Re: Insuring '28 coupe
If you want to go some distance with it, get a policy with good flatbed towing including the max miles you think it may have to be towed. Sometimes modern cars towing will only include towing to the nearest repair shop, so make sure that towing includes to your home or a known place with Model A repair knowledge. This happened to me, a policy I had would only pay for tow towing the nearest Ford Dealer - I did not read the policy thoroughly.
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05-30-2019, 07:37 AM | #15 |
Senior Member
Join Date: Nov 2018
Location: North Eastern MD
Posts: 486
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Re: Insuring '28 coupe
Not an A, but I have Grundy. Less than $200 for over $30k agreed value. Towing and repairs up to around $300 is covered. They will also insure cars under construction. I think the antique policies are all similar, so shop around a bit. I know that Grundy has very little restrictions on driving the car. Other companies are a bit more confined.
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05-30-2019, 08:14 AM | #16 |
Member
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Re: Insuring '28 coupe
I have American Collectors Insurance thru my USAA insurance.
Agreed Value of $16,500 for $166.07 per year. Had J.C. Taylor previously. I also have had AAA Plus for +15 years. |
05-30-2019, 12:22 PM | #17 |
Junior Member
Join Date: May 2019
Location: Kingsburg, CA
Posts: 2
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Re: Insuring '28 coupe
Tks for everyone's help. Plenty of info here to get me on the road. My next problem will be getting it through California DMV fees and penalties. When I parked it some time ago, everything seemed to be going south on me, so I did the bonehead thing and ignored the DMV letters regarding the car. My gut tells me I'm gonna pay for that mistake moving forward.
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Farmhand aka Clifford aka Grandpa |
05-30-2019, 12:51 PM | #18 |
Senior Member
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Re: Insuring '28 coupe
A friend told me that you have to pay fees and penalties if you try to re-register within five years after you stop paying the registration. After five years, DMV will purge your vehicle from the system and it will be registered as a new vehicle so you don't have to pay back fees and penalties. I'll verify that this afternoon.
I use the Automobile Club of Southern California (AAA) to handle my registration. I have two cars (my 1930 Roadster and a 1966 Porsche) that I let the registration lapse many years ago. AAA told me I would have to take the vehicles in to re-register them because they need to verify the Vin Numbers. The Porsche should be no problem but the Roadster could be a problem although I have the Title and previous registration. David Serrano |
05-30-2019, 06:24 PM | #19 |
Senior Member
Join Date: Aug 2018
Posts: 2,332
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Re: Insuring '28 coupe
Hope he does not have to have the VIN verified, under the body and on top of the frame rail.
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