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post #1 of 7 (permalink) Old 08-28-2013, 06:17 PM Thread Starter
 
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Older vehicles - which insurance company to use

Alright I've finally found myself an old truck (a 61 Merc unibody short box). But before I get it I'd figured I'd ask a couple questions. I have been searching online and most classic vehicle insurance companies want you to have 10 years driving experience. Do they actually go by this or will they try and get you insured with less? I will be stopping by State Farm tomorrow and currently have had insurance with them since I was 16 (8 years), to see what they can do for me. But I was just looking to see who everyone else uses that is the best bang for your buck. Since its all a ripoff at my age.


Also do you limitations with your plans or can the vehicle be driven anywhere and as much as you want?

Thanks James

If the mud ain't flyin' ... You ain't tryin'

2009 F-150 XLT 4x4 4.6L 2" Ready lift front and rear
1989 Bronco II 4x4 2.9L 6 - 8" skyjacker lift front and rear
1987/89 Bronco II 4x4 work in progress. Full size Dana 44,Ford 8.8 5.0L swap coming
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post #2 of 7 (permalink) Old 08-29-2013, 08:47 AM
 
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If you want cheap go with Hagerty. You will have limitations though, only certain amount of miles per year. As long as it's not a daily driver you should be fine.

Nicole - 2004 Ford F-150 Lightning #3573
Emily - 2010 Ford F-150 FX4

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post #3 of 7 (permalink) Old 08-29-2013, 08:31 PM Thread Starter
 
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I checked with them but they want 10 years driving experience when I did the quote online it said I was not old enough yet. State Farm says there should be no problem but are checking into it tommorow for me. They quoted me $300-400 a year which seemed cheap to me as my bike currently cost over $700 for the year and its only a 250cc and that's what I will be replacing as my second vehicle. The BII is my daily driver anyways. Blue truck is just usually used for hauling stuff if needed. This one will be the weekend toy.

If the mud ain't flyin' ... You ain't tryin'

2009 F-150 XLT 4x4 4.6L 2" Ready lift front and rear
1989 Bronco II 4x4 2.9L 6 - 8" skyjacker lift front and rear
1987/89 Bronco II 4x4 work in progress. Full size Dana 44,Ford 8.8 5.0L swap coming
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post #4 of 7 (permalink) Old 08-30-2013, 08:36 AM
 
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I would call Hagerty, they never said anything about driving experience when I talked to the guy. I'm 25 with 8 years experience and they didn't have a problem insuring me, I couldn't do it cause I don't have a proper DD yet.

Nicole - 2004 Ford F-150 Lightning #3573
Emily - 2010 Ford F-150 FX4

Amsoil Independent Dealer
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post #5 of 7 (permalink) Old 08-30-2013, 06:22 PM Thread Starter
 
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Ok will try them then. I got an answer from State Farm today and they politely told me no f*ning way cause its modified and not original. So now I'm looking elsewhere anyways. Thanks for the help. I'll let you know what they say.

If the mud ain't flyin' ... You ain't tryin'

2009 F-150 XLT 4x4 4.6L 2" Ready lift front and rear
1989 Bronco II 4x4 2.9L 6 - 8" skyjacker lift front and rear
1987/89 Bronco II 4x4 work in progress. Full size Dana 44,Ford 8.8 5.0L swap coming
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post #6 of 7 (permalink) Old 08-31-2013, 06:29 AM
 
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I'm not surprised State Farm wouldn't touch it, most of the major insurance companies equate mods with street racing.

I tried to do the honest thing with my Mustang and inform them of mods, and that was essentially the message I got.

You'll put that modded ride on the road, street race it, smash into a loaded gasoline tanker in a school zone, and blow up that public school that's next to an orphanage.

Shame on you. lol

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post #7 of 7 (permalink) Old 09-01-2013, 09:06 AM Thread Starter
 
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Ya. I guess I won't tell them anything about the BII then the list of extras is a couple pages long : lift, axle swaps, bigger tires, driveshaft swaps and on and on it goes. Only thing left original is the motor and tranny and its about to get swapped when it craps out on me. Lol. O well what they don't know won't hurt em. They didn't ask the question so why tell them. If I do get in an accident I only have liability anyways so I'd loose.

If the mud ain't flyin' ... You ain't tryin'

2009 F-150 XLT 4x4 4.6L 2" Ready lift front and rear
1989 Bronco II 4x4 2.9L 6 - 8" skyjacker lift front and rear
1987/89 Bronco II 4x4 work in progress. Full size Dana 44,Ford 8.8 5.0L swap coming
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