Insurance thoughts (was Re: IML: costs in Mississippi, and request for insurance specifics)

["Clint and Laurie Carter" <imperialschooner@xxxxxxxxxxxx>]

Michael, and others~

When we bought our '65 Crown Coupe we insured it with State Farm. I was 
thrilled, because like Fred, the premium for an antique car was super low. 
Then the State Farm folks got the pictures of the car and decided it wasn't 
an antique, just old and the premium went up to $1300/year. Part of their 
reasoning was that the engine compartment was dirty and had not been 
repainted! Also, the car had not been restored. As I recall, State Farm did 
not have restrictions on storage or use, although there may have been a 
mileage cap.

We were not happy campers and have not renewed the State Farm insurance. I 
would not recommend State Farm as I feel their definition of antique is 
screwy.

Laurie Carter
Ilwaco, WA USA
'65 Crown Coupe...his
'59 Crown...mine

----- Original Message ----- 
From: "Michael O. Mann" <mann340s@xxxxxxxxxxxxx>
To: "IML" <mailing-list@xxxxxxxxxxxxxxxx>
Sent: Friday, May 12, 2006 7:33 AM
Subject: IML: costs in Mississippi, and request for insurance specifics


> All,
>
> I might have deleted too quickly, but haven't seen much specifics on
> restrictions with the antique/classic car insurance.
>
> For those of you who have such, and are willing to give your thoughts, 
> what
> restrictions are there from the insurance company regarding use and 
> storage?
> Covered, secure, heated???  What about mileage limitations?  Would you
> recommend the company?




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