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  #1  
Old 06-06-2004, 06:30 PM
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Question Best insurance for an old Mercedes?

I just read here about inexpensive insurance for a MBZ registered as a classic, and I can't find it anywhere.

How do you recommend insuring a 20+ year old car, while really insuring its value?

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Old 06-06-2004, 07:25 PM
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My '83 is not registered as a classic, and I carry full coverage with $100 deductible on collision, actual cost of replacement on comprehensive for only $398 a year.

When I asked why it was so cheap, the guy said the car was listed as safest car you can own. I they must truely just go by the numbers. In years past the people who bought a 240D were very conservative drivers and seldom were in accidents I guess.
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  #3  
Old 06-06-2004, 07:55 PM
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My insurance went up $75 a year going from my VW pickup to the 300D.

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  #4  
Old 06-06-2004, 08:34 PM
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Quote:
Originally posted by wolf_walker
My insurance went up $75 a year going from my VW pickup to the 300D.

Compared to the VW they probably thought you were going to be a speed risk.
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84 300D Turbodiesel 190K with 4 speed manual sold in 03/2012
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  #5  
Old 06-06-2004, 08:49 PM
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Unhappy Cost of Replacement

If I recall, oldnavy, you have a very nice 240D. I was envious of the picture you posted. If I may ask, how in the world would the insurance co. know what it is worth? Did you tell them? How would you ever replace it? It could require an extensive search to find one in such a condition. Really i, am interested, since the value of these cars is all over a wide range from $500 to 10,000 plus! Thanks for the information. Mine is not in such nice condition but I have invested much more than it is worth. Would they insure based on the money a person has in it, I think not?
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  #6  
Old 06-06-2004, 11:29 PM
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Quote:
Originally posted by lietuviai
Compared to the VW they probably thought you were going to be a speed risk.
Your probibly right. :p

I've been intending to call and complain a bit on my rates overall, just keep putting it off..
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  #7  
Old 06-06-2004, 11:36 PM
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They base it on the book value. Average retail value is currently $4200 for a base 1983 Euro 240D sedan. When I checked with neighbor friend who is a loan officer at a local credit union he said they would loan up to $3000 for an average car. That was the thing that made me decide to finally go looking for a 240D. And it looks like I may have gotten a good solid one, for a reasonable price.

Gutefart I am humbled by your comment of my beater. It does take a good picture, but the paint is a $1000 paint job done in '93 and is not the good German paint that matches exactly and it does have a couple of minor parking lot dings. The headliner and rear hat shelf is in need of replacement, two of the wood trim consol panels needs refinishing, and the carpet is showing it's age. On the plus side the car has no rust anywhere, a drive train in excellent shape, and everything in the car works except the CC and the two factory speakers in the rear shelf. The a/c will freeze you jewels off so it's nice enough to go traveling with, but no beauty on close inspection. It is however an excellent car for restoring, but I have not made up my mind as yet if I want to do the restore on the car.

As with just about everything else I own, if someone came along and offered me enough I would probably sell the car, then spend years regretting the decision. Just like I have regretted for a year now selling my í00 VW NB TDI (diesel) and canít believe I sold the most reliable, economical, and fun car to drive Iíve ever owned.
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'13 Chrysler 200 Touring Candy Red. Grandma's ride.

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  #8  
Old 06-07-2004, 12:59 AM
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Lots of food for thought.
I am looking for recommendations for insurance companies, and thinking of having my car appraised; it is worth $5000 to me.
Any ideas here...?
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  #9  
Old 06-07-2004, 02:57 AM
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I carry libility only on my cars ,if you are talking about cars from the eighties as I am it makes no sense to carry collision as even in a fender they will probably total your car then if you buy it back and repair most states while issue a salvage title which is something you don't want.Stick the money you save in the bank and buy body tools or a fund for repairs.

You can register any car 25 years old or over in OR as a classic and get one time classic plates and cheaper insurance but! the car can only be driven to classic events, driven in parades or to a shop for repairs, I think some states have milage limits........

William Rogers.......
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  #10  
Old 06-07-2004, 02:29 PM
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William, Washington has the same restrictions you mention but I don't think that there's any mileage restrictions. I have one car registered as an antique and I only paid a one time reg fee, no more yearly tags or fees.
I have seen a few cars on the road when I was on my way to work in mornings that had the antique plates on them, they were probably using their cars as they would any car.
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  #11  
Old 06-07-2004, 03:00 PM
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I have my 83 240D with Hagerty Insurance. It is set at 5,000 replacement value, and I pay 72.00 per year for this coverage. 5k is their minimum coverage.

My dad has an Austin Haley with them, and they seem to be a good company.

Their number is 800-922-4050.
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  #12  
Old 06-07-2004, 03:11 PM
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Quote:
Originally posted by rtykw2
I have my 83 240D with Hagerty Insurance. It is set at 5,000 replacement value, and I pay 72.00 per year for this coverage. 5k is their minimum coverage.
Their number is 800-922-4050.
Now there's the info I was lookin for. Thank you Rtykw2.

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