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Thread: Collector car insurance

  1. #1

    Collector car insurance

    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

  2. #2
    Join Date
    Oct 2006
    Location
    Seattle
    Posts
    1,431
    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.

  3. #3
    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).
    Roger Moore

    63 "Flarechero"
    powered by: 347ci stroker | Tremec T5 | 8" 3:45 TracLoc rear



  4. #4
    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.
    Patrick Brown
    331 Stroker / T5 / 8" / Wilwood Disks / RRS R&P Steering / Megasquirt EFI


  5. #5

    insurance

    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

  6. #6

    insurance

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

    Sean

  7. #7
    Join Date
    Oct 2006
    Location
    Spanaway, Wa.
    Posts
    97
    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.

  8. #8

    Carpet installation

    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

  9. #9
    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.
    Roger Moore

    63 "Flarechero"
    powered by: 347ci stroker | Tremec T5 | 8" 3:45 TracLoc rear



  10. #10

    Carpet

    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.
    1960 Comet
    1967 Cougar XR7
    www.lattemom.typepad.com/cougar

  11. #11
    Guys,

    If we are going to talk carpet, let's start a new thread. This topic is for insurance.
    Patrick Brown
    331 Stroker / T5 / 8" / Wilwood Disks / RRS R&P Steering / Megasquirt EFI


  12. #12
    Join Date
    Oct 2006
    Location
    Kenmore, WA
    Posts
    254
    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.
    Thor Johnson
    www.flickr.com/photos/sedanman
    Low & Slow '64 2dr Sedan
    Stock(for now)200 I-6, Lokar shifted C-4, Wedge kit,V-8 coils, dropped granada spindles/discs,GT leaves,3.0 8 inch

  13. #13
    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.
    Roger Moore

    63 "Flarechero"
    powered by: 347ci stroker | Tremec T5 | 8" 3:45 TracLoc rear



  14. #14
    Join Date
    Oct 2006
    Location
    Kenmore, WA
    Posts
    254
    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.
    Thor Johnson
    www.flickr.com/photos/sedanman
    Low & Slow '64 2dr Sedan
    Stock(for now)200 I-6, Lokar shifted C-4, Wedge kit,V-8 coils, dropped granada spindles/discs,GT leaves,3.0 8 inch

  15. #15
    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.

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