Insuring '28 coupe

[Farmhand]

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.

[1931 flamingo]

I have Hagerty, reasonable.
Paul in CT WELCOME ! ! ! !

[biggieou]

Hagerty x2

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[WHN]

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.

[Bill G]

I think you'll find that Hagerty and Grundy are the two names that come up most often. I have Grundy.

[Mulletwagon]

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Hagerty. You are in good company Grampa !

[Charlie Stephens]

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

[CHuDWah]

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.

[TerryO]

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

[rrich1]

My '31 costs $124 a year through American family

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[TerryH]

AAA works very well for me, as I have my other insurance with them.

[holdover]

I have five with Hagerty all with agreed value, towing etc $491.00


'29 coupe, '29 CCPU, '31 Tudor, '31 AA LWB, '82 CJ7

[Dodge]

J.C. Taylor for over 50yrs.

[30 Closed Cab PU]

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.

[77Birdman]

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.

[RRW]

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.

[Farmhand]

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.

[California Travieso]

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

[30 Closed Cab PU]

Hope he does not have to have the VIN verified, under the body and on top of the frame rail.