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

["Frederick Joslin" <fljoslin@xxxxxxxx>]

Interesting.

State Farm took pictures of my Imperial shortly after I had purchased it for $750. It did look pretty good however. Good enough to pass their test. I do not think that they even looked at the engine. Also, I have put a radiator overflow on the car since I purchased it (from a 90's Dodge Minivan). I took it to State Farm prior to this and the car was puking out green stuff over the road. The woman taking the pictures was an animal lover. I explained that the first thing that I was going to do was put an overflow tank on the car. It was an interesting situation.      

It may have helped that we have other vehicles and a house and an umbrella policy with them and about 20 years history. Also realize that each agent is independent. They can bend the rules a little if they really want to. It is all about the $.

$1300/ year  seems really steep, but each State and every driver is very different. I lived in St. Louis for 10 years and Kansas for 2 years prior to moving to Washington. I had a 1966 Newport that was registered as a regular vehicle. I believe that the insurance in MO for this without comp/collision was about $20/month and was just a little more in KS both through State Farm.

----- Original Message -----
From: "Clint and Laurie Carter"
To: mailing-list@xxxxxxxxxxxxxxxx
Subject: Insurance thoughts (was Re: IML: costs in Mississippi, and request for insurance specifics)
Date: Fri, 12 May 2006 09:12:01 -0700


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"
To: "IML"
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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Fred Joslin