Collector car insurance

[silverbird]

Hello everyone,
Has anyone heard of or used JC Taylor antique auto insurance? or Hagerty collector car insurance. I am intrigued by the lower annual rates but I need to be confident that the insurance is credible if I am going to take my kids for a cruise. thanks

Sean

[Jeff W]

I haven't used either of those companies. I talked to my current carrier, American Family Insurance, and the gave me a really good price on my '63. They said it would have to be professionally appraised, which costs around $300. I would save that much in my first year of premiums but I just haven't gotten around to doing it yet. There were also some restrictions such as maximum annual mileage and not using it for a commuter vehicle. You may want to ask your current carrier what they have to offer. They may be eager to keep your business.

[Luva65wagon]

I use Hagarty and have had no claims, so I can't tell you how good they would be to work with in a real "situation", but I did some research before going with them and found nothing but good things said about them. They took my value no questions asked -- no $300 appraisal needed. I did have to send them some recent pictures from all sides, which satisfied their needs apparently. There are downsides to collector car insurance; like, no daily drivers, no parking it out on the street at night (it must have a garage for it at all times) and a few other things I can't recall this late at night. Anyway, if it's for anything close to a show car, this is the way to go. I pay $105 a year for full coverage. I paid just over $500 a year through Pemco (full coverage as well).

[pbrown]

I looked at some. The car must be kept in a garage. There is an anual mileage cap (5K I think). No racing and no NOS.

[silverbird]

Thank you Roger and Patrick for your helpful information about insurance. Since I do not use my Falcon as a daily driver anymore, I cannot see paying high monthly premiums. I also have recently obtained collector plates. Off the subject a little ,but I wanted to endorse Jake, at Original falcon interiors. He did a superb job recovering my seats in the original Rangoon red. I did the carpet and thats another story. Hope to see you guys at a meeting in the future. thanks again.

Sean

[silverbird]

Sorry Jeff, A thank you for your response as well.

Sean

[Jerry Kirby]

Sean,

I am just about ready to do the carpet on my '65. The one I am going to install is supposed to be already cut to size. Can you give me any insight into the install ? Any pitfalls, etc. I was wondering if any one knows an easy way to mark the holes for the seat belts etc. and now I am totally off the original thread.

[silverbird]

Hi Jerry,

Installing my carpet didn't turn out as bad as it was looking. I had some issues with my rear carpet peice which came up short. I was able to use my wife's clothing steamer to stretch it. I also spent time smoothing all the wrinkles out. I would use some 3m spray adhesive to tack the corners down and carpet to the padding. Lining up the seatbelt mounts was a little tricky. I would start from one side making sure you have enough carpet to tuck under each threshhold plate before you cut the holes in the carpet. I cut a small hole in the carpet over the mount and pushed it down over whick made a snug fit. I have heard that some people spray down the carpet first to relax it for a better fit. I hope this helps you. Dont,t forget to walk away for a while if you get frustrated.

Sean

[Luva65wagon]

Hey Jerry, I usually lay out the carpet and then take a poker, like a toad stabber, to locate the hole edges, then a sharp knife into the hole and cut a perfect circle, using the hole as a guide. Helps to find screw holes as well. Larger holes, I try to leave that to precise measurements from key components, or if, like a shifter hole, you can get a rough location to start and then pull the carpet over and continue to trim away a little at a time until it is all the way down.

[cometcougar]

I just put new carpet in my Comet this weekend. All went well. One way I do holes is by using a soldering iron to actually melt through the carpet - such as the holes where the front seat tracks go through the floor, seat belt holes, etc. The heat sort of "cauterizes" the loops so they don't unravel.

[pbrown]

Guys,

If we are going to talk carpet, let's start a new thread. This topic is for insurance.

[Sedanman]

Silverbird,

I have ANPAC insurance, and when added up I think the falcon costs me less than $10/month for full coverage. I don't do it so much for the full coverage (my car's only valued at about $3k right now, and I've got more than double that into it), but the cheap rates since I drive it so little. The only catch is you have to have another car on the same policy as a daily driver, and the collector car has to be in a secure garage space.

[Luva65wagon]

Thor,

I think this is common with them all. I guess you can't ride a bicycle to work and own a collector car, can you?

Sounds like they're all hitting about the same cost.

[Sedanman]

Hi Roger,

I think they are all about the same price, but I've heard ANPAC does not offer the best coverage, so I've been waiting until I get a new daily driver to compare/change companies.

When I put the falcon in storage a few years back for the winter during a move I checked into dropping the coverage, but they don't allow you to drop coverage on a car and then start it up again. Being it was less than 10 bucks a month I didn't bother.

[Davemutt]

You might ask your insurance agent. My regular carrier is State Farm. When I told them I was going to switch one of my cars to Haggerty, they informed me they do offer collector car insurance. It ended up being about $70 a year.

[Nathan289]

I have haggerty as well for my falcons.
Like roger they have an agreed apon value that requires some pictures of the vehicles and a picture of where they are kept. They wanted a picture of the garage..

I have no milage restrictions and it was much cheaper than my normal insurance carrier.. I think it is less than $200 for a year for two cars..

They don't like customs though and it was difficult to get coverage on the ranchero because of the "custom body work"

Nathan

[63Sedan]

I use Hagerty as well, I couldn't be happier. I usually end up BS'ing about cars every time I have to call for maybe half an hour. I can honestly say it's the one bill each yeah I am more than happy to pay. I've got some other cars with them so adding my Falcon cost me a whole 16 bucks a year. It's already paid for itself 10 times over.
A year or two ago I got a crack in my windshield and called them up, zero deductible to get it replaced! Had it done at a Mustang place down in Bellevue, the guy there doesn't work through insurance but that wasn't a problem. I got an estimate and they cut me a check to cover it no questions asked. When it ended up costing more than the original estimate, they over-nighted me another check for the difference, again, no questions asked. They were both helpful in finding me a specialty shop that would know how to replace the windshield (most normal glass places don't even know how to do old cars anymore) and genuinely concerned that I had things done correctly.

[Luva65wagon]

I never even thought to look when I cracked my windshield a couple years ago on my wagon to see if it was covered by Hagerty.

:doh:

[63Sedan]

D'oh! Wish I had thought about asking if you had Hagerty the other night when I was over there the other night.