Does anyone know of any classic car insurance companies that do not require you to be 25 years of age or have 10 years driving experience?

 

my advice, if you don't fit the criteria and must have classic insu, get one of your parents to do it for you. it'll be like a few hundred a year, depending on the value of your classic and if your parents have a good record (which i don't see why they wouldn't) you'll pay pocket change.

trying to remember which co is really good. i wanna say haggerty or something like that.

 

All of the collector car insurance companies require you have a 9 to 10 year driving experience, and the car must be garage kept, driven less than maybe 5K miles a year, and no more than one traffic violation. They are pretty restrictive, but cheap. I have my 65 insured along with my other cars, and it is listed as a 1965 Ford, not a Mustang. I pay about 200 bux a year for basic insurance. Why not just have your parents list yours on their policy? That may be just about as cheap as classic insurance, and you won't be restricted so much.

 

Mine is through Hagerty and I'm happy with them so far (no claims). I called many companies before deciding on Hagerty and it wasn't their low price ($130) that attracted me, it was the fact I could use it for more than going to shows without being penalized.

From their website,

# Storage. Collector vehicles must be stored in a fully enclosed, locked garage when not in use.

# Driving records. Generally, one or two minor traffic violations or accidents are acceptable. We are not able to insure those who have experienced major infractions such as a DUI, reckless driving or excessive speed violations within the past 3-6 years.* All household driving records are subject to review by an underwriter.

# Regular-use vehicles. Each licensed household driver needs to have a regular-use vehicle for daily driving and must maintain regular-use insurance in his or her own name.

I know a former friend of mine had one speeding ticket last year and could not get his classics insured by any company no matter what he said, so he ended up putting it in his mother's name.

# Agreed Value Coverage. In case of a total loss, you will receive the full amount for which you have insured your vehicle

Oddly enough, when I tripled my insurance, they asked for no proof. I uploaded photos of some of the restoration plus a copy of the 3-page bill showing proof I had the work done. If something happens I don't want to have to worry.

# Flexible Usage. Drivers can enjoy their classics with comfortable limits. Our policy allows for an occasional leisure drive, not just to parades or car events.

They told me 3,000 or so miles a year was fine, but anything over that would raise flags.

I don't see anything on their website about # of years you must be driving, but a call to their toll-free line would surely answer this for you.

Putting it on your parent's policy would be a good thing but if they own a home or property, be sure you have the proper levels of insurance. Even if it's your car and you are in an accident and it's your fault, the insurance is in their name so they are held responsible.

 

Thats what I was affraid of...it was worth a shot. Thanks for all the replies

 

i thought they had changed the restrictions. i thought it was unlimited mileage but only covered if you were going to a legit show or garage. hmmm, [>:] maybe i was just dreaming?

 

Yeah, Hagerty's seems to be the choice of most who opt to use classic insurance companies. There are others that are even more restrictive such as Leland-West. However, think about it. These companies are insuring a class or vintage car that is not intended to be driven very much. And, their rates are very low compared to others. For me, it doesn't suit me because I drive Ol' Yeller a lot, and don't want to be resticted to a certain mileage I can drive her. Most guys who have classics have been driving for more than 10 years, and generally have a garage where they store their classic, so if they just want the insurance for driving to a show, etc. then classic insurance companies fill their need.

 

I don't think so. There is no mention of age, but you would still be restricted to mileage, and you must own another daily driver insured in your name.
http://www.hagerty.com/Auto/vehicle_qualify.aspx

 

I was told that I was covered outside of going to shows as long as the car was not a daily driver and I used it "just on nice days" to cruise around. Being in Massachusetts that limits me to less time than someone who lives in a snow-free zone.

The Commonwealth told me that if I had an "antique" plate I would be limited to shows only and if found driving it any other time, I'd lose the plate. I went with year of manufacture instead.

 

Yeah, like I said before, insuring it as a 65 Ford instead of a classic mustang with a regular company is cheap enough if you intend to drive it at your leisure.