Seems the difference between traditional coverage and classic comes down to mileage and a lot less money.

Geico’s charging me approx $40 pcm, but always looking to give my overheads a trim.

Wondering if anyone’s switched over to a classic/antique plan.
Who’d you go with? What are you paying?


-

__________________
1981 240D 4sp manual. Ivory White.

I use State Farm for all my insurance. I have the '74 insured under such a policy, called something like "limited use" with a cap on miles allowed per year. I hardly drive the car, so it's worth it. Cost per month is just under $15, and that's including the stated value of the car which I cannot recall.

__________________
- Greg -
1973 220D, The Prodigal Benz
1974 240D

Hagerty

I called up Hagerty and they didn't want to give me an offer on my wagon or sedan.

__________________
Onus probandi incumbit ei qui dicit, non ei qui negat

I recondition w123/w126/w124/w140/r107/r129/ steering boxes!


1984 300D "Elsa" odo reset 6/2011 147k
1983 300TD "Mitzi" ~268k OM603 powered
1995 E300 "Adelheid" 262k [Sold]

Redoing my policy has been on my list as well. Currently with State Farm but they only value the car at something ridiculous like $1500. I drive too many miles for classic car insurance.

__________________
Garage:
1983 300TD
1985 300D
1993 190E 2.6

Social:
Metric Restoration on Instagram

I have classic insurance on many of my cars. It allows for limited use and commuting, but requires a separate policy with a daily driver.

Simply stated, you can’t put classic insurance with stated value on a daily driver. The reason why rates are lower is an expectation of reduced usage, careful storage, and lower losses as a result.

Don’t put yourself at risk or ruin it for the rest of us.

I’ve started to note increased scrutiny on part of underwriters for low value cars. Probably because it was abused.

__________________
Current Diesels:
1981 240D (73K)
1982 300CD (169k)
1985 190D (169k)
1991 350SD (113k)
1991 350SD (206k)
1991 300D (228k)
1993 300SD (291k)
1993 300D 2.5T (338k)
1996 Dodge Ram CTD (442k)
1996 Dodge Ram CTD (265k)

Past Diesels:
1983 300D (228K)
1985 300D (233K)

Yep, that's kind of the point.

I'm not driving much –actually I'm not driving at all atm, as I'm OOT.
And even when I do, it's pretty far from a commuter car.

__________________
1981 240D 4sp manual. Ivory White.

In my state, classic insurance is only for garage queens, and has no liability coverage, only stated value...
So, additional policy required to have a plate on it.

__________________
John HAUL AWAY, OR CRUSHED CARS!!! HELP ME keep the cars out of the crusher! A/C Thread
"as I ride with my a/c on... I have fond memories of sweaty oily saturdays and spewing R12 into the air. THANKS for all you do!

My drivers:
1987 190D 2.5Turbo
1987 190D 2.5Turbo
1987 190D 2.5-5SPEED!!!

1987 300TD
1987 300TD
1994GMC 2500 6.5Turbo truck... I had to put the ladder somewhere!

Even more ridiculous, my classic car insurance values my 1982 300D at $19,100.

__________________
When cryptography is outlawed, bayl bhgynjf jvyy unir cevinpl.

With who?

It’s called “stated value” for a reason. Some policies have an automatic “inflation adjustment” that if left unchecked……

__________________
Current Diesels:
1981 240D (73K)
1982 300CD (169k)
1985 190D (169k)
1991 350SD (113k)
1991 350SD (206k)
1991 300D (228k)
1993 300SD (291k)
1993 300D 2.5T (338k)
1996 Dodge Ram CTD (442k)
1996 Dodge Ram CTD (265k)

Past Diesels:
1983 300D (228K)
1985 300D (233K)

covered my SEC and 300d without question

American Collectors/USAA

My policy is agreed value, not stated value.

__________________
When cryptography is outlawed, bayl bhgynjf jvyy unir cevinpl.

I am an insurance broker/agent in Texas. Some classic car coverages do have liability coverage built in with the comp and collision. That said, some go by the original price of the car for valuation, others go with agreed amounts, and some go by the appraised amount.

You cannot put classic car coverage on a daily driver. Mileage is also typically below 5 to 1 k miles a year.

__________________
RRGrassi


70's Southern Pacific #5608 Fairmont A-4 MOW car

13 VW JSW 2.0 TDI 193K, Tuned with DPF and EGR Delete.

91 W124 300D Turbo replaced, Pressure W/G actuator installed. 210K

90 Dodge D250 5.9 Cummins/5 speed. 400K