Insurance for cloned cars

[dreamcatcher]

With all the talk of (dare I say it) clones or tributes(I just call mine a Plymouth) .I was wondering what insurance are people carring and to what value on their cars.I know it has to be different big time from one company to another.And after my recent incident I would like to hear of insured values from others on here to see what is the best insurance out there for cars like ours.

[moparstuart]

55k  agreed value with american classic 

[41husk]

75k agreed value with State farm $186 per year with AV tags.

[Charger-Bodie]

80 k at Hagerty .  Very easy to get. Most people who say it is hard to insure a clone must not have checked into it.

[dreamcatcher]

Did any of you have to get an apraisel done first?I carry State Farm and they only let me carry 15K untill I have it apraised.

[moparstuart]

Did any of you have to get an apraisel done first?I carry State Farm and they only let me carry 15K untill I have it apraised.

i didnt they just wanted pictures , but when i was calling around several asked for it.

[Charger-Bodie]

No appraisal here either.

[41husk]

You must show a publication with listed value or appraisal.  I had my challenger vert and the Daytona appraised.

[billssuperbird]

i need to up mine.but i have it ins for 25k with hagerty

[DAY CLONA]

You defiantly want an AGREED value policy, a STATED value policy will leave you holding your crank when all is said an done after an "adjustment" in your value at the time of loss,...if your current insurer can't offer it, move on to one that can...


Depending on your coverage, and value you choose, and location in the country, your premiums WILL vary, when comparing with others here, even if with the same Insurance company....

I have Hagerty, $75,000 Agreed Value, $300K liability, $100K medical....I pay $450 a year,....I did an apprasial, although it was not requested, but did it to avoid the paperwork hassle (cost $150) car is modified (obviously ) and a clone,....no issue with Hagerty in this regard

Mike

[moparstuart]

You defiantly want an AGREED value policy, a STATED value policy will leave you holding your crank when all is said an done after an "adjustment" in your value at the time of loss,...if your current insurer can't offer it, move on to one that can...


Depending on your coverage, and value you choose, and location in the country, your premiums WILL vary, when comparing with others here, even if with the same Insurance company....

I have Hagerty, $75,000 Agreed Value, $300K liability, $100K medical....I pay $450 a year,....I did an apprasial, although it was not requested, but did it to avoid the paperwork hassle (cost $150) car is modified (obviously ) and a clone,....no issue with Hagerty in this regard

Mike

  mouth watering   

[69_500]

Stuart, do you get a discount on your insurance for the birdable due to all the time it spends on a roll back? Just curious. 

Feel free to  me once you get to indy for that comment.

[moparstuart]

Stuart, do you get a discount on your insurance for the birdable due to all the time it spends on a roll back? Just curious. 

Feel free to  me once you get to indy for that comment.

i wish but it hasnt been on the roll back in a long while now , please dont jinx me for this trip . 

[69_500]

I hope it does not wind up on the the roll back this trip. I don't think I have been to any show that you haven't been on Wayne's roll back at least once though. So even if nothing is wrong with the car I'm holding out hope that you'll pull it up on there at least once so I can get it in a photo.

[moparstuart]

I hope it does not wind up on the the roll back this trip. I don't think I have been to any show that you haven't been on Wayne's roll back at least once though. So even if nothing is wrong with the car I'm holding out hope that you'll pull it up on there at least once so I can get it in a photo.

i'm bringing it on a trailer ,  i'm towing so i can ride in A/C

[Charger-Bodie]

I hope it does not wind up on the the roll back this trip. I don't think I have been to any show that you haven't been on Wayne's roll back at least once though. So even if nothing is wrong with the car I'm holding out hope that you'll pull it up on there at least once so I can get it in a photo.

i'm bringing it on a trailer ,  i'm towing so i can ride in A/C

I thought your vert had A/C?

[moparstuart]

I hope it does not wind up on the the roll back this trip. I don't think I have been to any show that you haven't been on Wayne's roll back at least once though. So even if nothing is wrong with the car I'm holding out hope that you'll pull it up on there at least once so I can get it in a photo.

i'm bringing it on a trailer ,  i'm towing so i can ride in A/C

I thought your vert had A/C?

yeah yeah yeah  someday , one of those get around to it deals  , with a convertible top too leak i cant see it getting really cold in there for the wife anyway  .  Me the wife and two kids on an 8-9 hours trip didnt sound like fun .  So we are taking the expedition and the trailer .

[Charger-Bodie]

I hope it does not wind up on the the roll back this trip. I don't think I have been to any show that you haven't been on Wayne's roll back at least once though. So even if nothing is wrong with the car I'm holding out hope that you'll pull it up on there at least once so I can get it in a photo.

i'm bringing it on a trailer ,  i'm towing so i can ride in A/C

I thought your vert had A/C?

yeah yeah yeah  someday , one of those get around to it deals  , with a convertible top too leak i cant see it getting really cold in there for the wife anyway  .  Me the wife and two kids on an 8-9 hours trip didnt sound like fun .  So we are taking the expedition and the trailer .

Fair enuf.

[WINGIN IT]

I'm going to have to double check my Hagerty policy, I think I'm paying too much for the some of the same coverage you guys are at agreed value....
I think my policy is comin due soon, may have to have a little conversation with them.....

[dreamcatcher]

I have delt with so many insurance agents on so many classic cars in the past 35 years.I thought this might be a good topic for our cars being something a bit different.A lot of really good information here...I intend on having mine apraised then just going somewhere in the middle I guess.I have used Hagerty,state farm,americian and a couple smaller companys.There seems to be a difference in who you talk to about each one.Anyway thanks for posting yours ...it makes one think...after all I really think collector cars are low risk.We all protect and fuss over them no matter which one you own.