Full Coverage

**SHines-IT** · 11-01-2009, 12:32 PM

I am thinking about getting Full Coverage on the 80 T/A, I should be picking it up tomorrow. But I am just unsure how a family insurance company would handle a classic car like this. I plain to call them tomorrow and ask them if the car was totaled, how would they determine the value. Fast quote through Allstate, there the cheapest.

Economy Plane

Monthly
Down Payment: $159
4 Monthly Bills: $81 each

Policy Coverages

Bodily Injury Liability $10,000/$20,000
Property Damage Liability $10,000
Personal Injury Protection (PIP) Basic Plan
PIP Deductible $0
Medical Payments Not Desired
Uninsured/Underinsured Motorist Bodily Injury $10,000/$20,000
Identity Theft Not Desired

Features

Silver

Vehicle Deductibles and Additional Coverages

Collision Not Desired
Comprehensive or Fire and Theft Not Desired
Rental Reimbursement Not Desired
Towing and Labor Cost Not Desired
Sound System Not Desired

Featured Plane

Monthly
Down Payment: $341
4 Monthly Bills: $172 each

Policy Coverages

Bodily Injury Liability $50,000/$100,000
Property Damage Liability $50,000
Personal Injury Protection (PIP) Enhanced Plan
PIP Deductible $0
Medical Payments Not Desired
Uninsured/Underinsured Motorist Bodily Injury $50,000/$100,000
Identity Theft Not Desired

Features

Silver

Vehicle Deductibles and Additional Coverages

Collision $500
Comprehensive or Fire and Theft $500
Rental Reimbursement Not Desired
Towing and Labor Cost Not Desired
Sound System Not Desired

**twozs** · 11-01-2009, 12:35 PM

dude you can get the car covered under classic car insurance from like haggerty or something with an agreed value on the car say 20,000 grand for like one third of that. worth looking into . i had it on my 73 z28

**twozs** · 11-01-2009, 12:38 PM

http://www.hagerty.com/index.aspx?af...rance+Branding and with allstate whats the agreed value of the car as therer is no kbb listing. beacause they suck to try to collect from

**SHines-IT** · 11-01-2009, 12:39 PM

Originally Posted by twozs

dude you can get the car covered under classic car insurance from like haggerty or something with an agreed value on the car say 20,000 grand for like one third of that. worth looking into . i had it on my 73 z28

Some of them you have to be at least 25. I use to have my 63 Falcon under collector car insurance, but forget who and don't drive the thing at all. Also the T/A will be a daily, do I have to tell them the engine be changed out for a 6.6L?

**SHines-IT** · 11-01-2009, 12:46 PM

Originally Posted by twozs

http://www.hagerty.com/index.aspx?af...rance+Branding and with allstate whats the agreed value of the car as therer is no kbb listing. beacause they suck to try to collect from

I just checked them, but can't use them on the T/A since it will be a daily. If it was not for that, I would. $718 a year for both, probably will get them for the Falcon none the less. With a declared value of $15,000 each.

**twozs** · 11-01-2009, 12:48 PM

I'm not sure of the age thing but usually insurance companies are more that willing to accept your money but .... with that being said its worth a look . and yes as i recall they ask if its been modified or stock but i believe this more aimed at the value of the car

**twozs** · 11-01-2009, 12:50 PM

sorry im a slow typer. just get an agreed value on the car upfront with allstate

**SHines-IT** · 11-01-2009, 12:51 PM

I was more or less, if I go with a family insurance, should I tell them it has a bigger engine? I don't see a reason why.

**310stanger** · 11-01-2009, 01:07 PM

Originally Posted by SHines-IT

I was more or less, if I go with a family insurance, should I tell them it has a bigger engine? I don't see a reason why.

tell them it has a 301 lol

**SeVeReDiStOrTiOn** · 11-01-2009, 01:09 PM

you're buying a plane?

**SHines-IT** · 11-01-2009, 01:15 PM

Originally Posted by SeVeReDiStOrTiOn

you're buying a plane?

Plain... You know what I met, parents already have an small airplane though.

**cammed goat** · 11-01-2009, 04:01 PM

I know here in NJ, if you have collector's insurance, you are only allowed a certain amount of miles per year.

**SHines-IT** · 11-01-2009, 04:03 PM

Originally Posted by cammed goat

I know here in NJ, if you have collector's insurance, you are only allowed a certain amount of miles per year.

Same thing when I had my Falcon insured, it was only allowed 3,000 miles a year and haves to be garaged kept. That's find because I don't put near that many miles a year on it, and it's in a garage... Not at the moment though, due to projects. But will be in there, by the end of the year.

**tatertot91** · 11-01-2009, 04:35 PM

Originally Posted by cammed goat

I know here in NJ, if you have collector's insurance, you are only allowed a certain amount of miles per year.

Like its hard to keep mileage down on an old car?

**SHines-IT** · 11-01-2009, 04:36 PM

Originally Posted by tatertot91

Like its hard to keep mileage down on an old car?

I had to take the Falcon in once a year to check if it's been rolled back for insurance purposes.

**wheeliE-maxx** · 11-01-2009, 04:38 PM

Originally Posted by SHines-IT

I had to take the Falcon in once a year to check if it's been rolled back for insurance purposes.

He's saying unhook the odo

**tatertot91** · 11-01-2009, 04:40 PM

Originally Posted by SHines-IT

I had to take the Falcon in once a year to check if it's been rolled back for insurance purposes.

never thought about that
my buddys got a 66 stang and hes got antique car insurance
dont think its ever been checked for that and he's only gotta be 18 btw

**SHines-IT** · 11-01-2009, 04:43 PM

Originally Posted by tatertot91

never thought about that
my buddys got a 66 stang and hes got antique car insurance
dont think its ever been checked for that and he's only gotta be 18 btw

IDK, I am probably going to at least put insurance on it with a declared value of lets say $20,000. I don't drive it much but, but insurance is cheap and crime is on the rise in my area.

Edit: The 63 Falcon. Still need to figure out about the T/A...