[i82much]

Those of you who daily a classic - who are you using for insurance?

[ScumOne]

Our insurance is through Costco / Ameriprise. For five cars it's $2429 per year. Each car has a $100 comprehensive deductible, $250 collision. Based in Los Angeles, 90606 zip code. Only my wife & I are on the policy, and typically we drive each car less than 3000 miles per year, although my wife drives the 99 C5 every day for work, so 7500 miles per year on that one.

1999 FORD EXPLORER
2006 CHRY 300C
1999 CHEV CORVETTE
2004 CHEV CORVETTE
1998 PONT FIREBIRD FORMULA/TRANS AM

Because of my policy with them I was able to get a Modern Gen classic car policy on the 69 Bird for about $120 per year which has a stated/appraised value of $19k, no deductible. Since I've done so many upgrades to it, I'll need to raise that limit up to $35k. Not sure what my mileage cap is, but I think it's 3000 miles per year like on the Ameriprise policy.

They've been great to work with whenever someone has dropped a brick in the road, or done other stupid stuff to our cars while parked. For reference I'm 61, ans she's 57, and we haven't had an accident or speeding ticket in years, so I'm sure we get discounts for having six cars.

I work from home, so the daily driver is the Ford Explorer to go to USPS and Fedex. Last year I put 1600 miles on the truck in one year.

Yeah, I know....too many cars, not enough driving time!

[Mister Pontiac]

Originally Posted by i82much

Those of you who daily a classic - who are you using for insurance?

I have collector insurance thru Grundy on my 67's, but they aren't "allowed" to be daily driven per the policy. There is no annual mileage limit as others have mentioned, but they rarely get 5,000 miles per year each anyway. I do use them on occasion when my 71 is down for repairs, or perhaps when I need to haul something with the wagon, but those times are temporary in nature.

The 71 lives on our Farmer's policy with the rest of the family driver cars. No limitation on usage that way. Granted, I cannot get an "agreed value" policy for it as a result, but that's the risk you run.

Incidentally, I have to tune it to pass emissions every year as well since I live (and register) in metro Phoenix. Everything 1967 and newer has to pass emissions here if it's not on a collector policy. Not a big deal as the car is almost bone stock, so with a good tune, it flies thru emissions.

These are the practicalities of running 'legally,' and daily for me. Still, it's 100% worth it to be able to hop in the car any time and any day and drive when and where I want.

And I do.