Car Insurance

[erlendch]

Hi,

anyone know where I can get decent priced insurance for my 1969 Dodge Charger R/T. Value of car is $30k. I want full coverage. Problem is that it is my only car. Seem like it gets A LOT cheaper if you have a daily drive in addition to your classic car. My daily drive is a Cannondale Bay Boy http://www.cannondale.com/2012-bad-boy-9-20108, and that doesn't really count..

Cheapest insurance my agent could find was $1,600 for 6 month, which sucks as I know I could pay $400 or so per year if I had a daily drive. Anyone else have their Charger as their only car and still pay cheap insurance?

Thanks!
Erlend

[hawkeye]

Call Grundy or Hagerty.

[Charger-Bodie]

Buy a cheap beater car to insure as daily and then call Hagerty .

[stripedelete]

Buy a cheap beater car to insure as daily and then call Hagerty .

[JB400]

I'd go ahead and buy another vehicle if possible.  I'd look more into a truck though instead of a car.  It'll get around the same mileage as your charger and be able to haul parts if you need them.

[bill440rt]

Buy a cheap beater car to insure as daily and then call Hagerty .

My first thought as well. The cheap beater would pay for itself compared to insurance costs in short time.
Try American Collectors Insurance also. Highly recommended.

[myk]

'OP you don't even have a choice in regards to getting another car to drive; AFAIK classic car insurance companies will not insure your Charger if it's your daily driver. 

Secondly, I don't know what shape your car is in, but if it's in "good" shape you'll want to get that car insured for more than $30K on an "agreed value policy."  Why?  Because, in the event of a total loss, God forbid, it will take you at least $40K to get back into another Charger in as good a condition as the car you have now.  I have my car valued at $49K.  Is it worth even half of that?  Definitely not, but I know that if I try to get into another Charger with a straight body, good paint, configured the way I like it and strong enough to be a daily driver like mine is right now, it will cost me something in the high 40's "at least."  Insure the car to the 'max-Chargers are not getting cheaper, only the opposite...

[mopar0166]

american collectors  my insurance for the yr was 235  insured for 33500

[1974dodgecharger]

Buy a cheap beater car to insure as daily and then call Hagerty .

Hagerty has limitations on the beater now they said my beater had to be a certain amount of years old.  I think now its 7 years max as your driver.  I have a 95 civic beater and they wouldn't insure my 68 because the daily was too old and told me to finance a new car so that I could be insured with them with the 68.


I then got a hold of American collectors and they have less rules than Hagerty.