Insurance rates ,how good are they for your mopar?

[Superpac Ninja]

Well i changed my plates to heritage plates last month ,and what a pleasant surprise in the mail today ,,with full coverage and blue valued at 10k,with restrictions though on driving ,but nothing terribly bad my rates dropped considerably ,,wait for it wait for it $15.65 a month thats like $180 a yr :icon_thumright:now can you get better than that ?? Lets hear ?? I almost feel guilty but hey they have been getting my money for years ,its about time for some pay back

 

[Jack Meoff]

I don't have collectors on any of mine.
The Fifth is my daily, the Volare is my wife's daily and I don't want restrictions on the Caravelle when I take it out. So what I do is "pause" the coverage on the Caravelle.

 

[slant6billy]

What are the restrictions? Is it mileage? Do you still need to have a daily driver (other vehicle) with conventional insurance / registration (plates)? Must you only drive in daylight hours? I'm getting 100 bucks per vehicle per year with Grundy for the 10k each coverage. If I get into an accident, I expect the first question from the company," Were you taking part in an organized event?" 2nd question would be, "who organized the event so we can sue them" In other words, I hope I never have to call my insurance. It is like the casino, "The house always wins!"

 

[Jack Meoff]

What are the restrictions? Is it mileage? Do you still need to have a daily driver (other vehicle) with conventional insurance / registration (plates)? Must you only drive in daylight hours? I'm getting 100 bucks per vehicle per year with Grundy for the 10k each coverage. If I get into an accident, I expect the first question from the company," Were you taking part in an organized event?" 2nd question would be, "who organized the event so we can sue them" In other words, I hope I never have to call my insurance. It is like the casino, "The house always wins!"

Pretty much that. I'd only be allowed to take it to shows or events technically. Not sure about mileage restrictions but I'd imagine there's something in there. I know guys who daily with historic plates but as you said I'm sure there'd be issues if there's an accident. I could go with that on the Caravelle but there's a lot of times I just want to do a long run up to my trailer or wherever and I don't want to bother worrying about whether I'm within any guidelines. I just want to drive. And like I said I have the option to pause my coverage if it's just sitting in the garage.

 

[Superpac Ninja]

Ya it cant be a daily driver and only suposta be used for going to events ,but theres events at a and w fast food chain every day so theres ways around it ,heres the bad part 500 km per year ,but that can be dealt with as well if your crafty ,i do only take blue out on sundays for drives or shows anyway so no issue there i cant afford the gas anyways ,ha ha

 

[mirada80]

I am with "silverWheel" which I believe is backed by Haggerty now, and I have normal plates, antique plates only allow to and from events and Sundays while not saving a lot on the stickers. I have no mileage cap, it can't be my daily driver, not to work or errands, you must have had your drivers licence for ten years, but if it is a sunny Tuesday night and I want to go for a cruise to an ice cream stand 20 miles away I can. Insurance premium is based on appraised value of the car. My premium is less than $100 a year with full coverage. Even for the years the car was in storage I maintained full coverage insurance on it. It is a pretty good deal, I have been with them since '96, 15-24 years old is a special interest, 25 and older is classified as an antique. Nearly everyone in the classic car circles around here is with them. And the agent for New Brunswick is a car guy and he has had several nice cars over the years.

 

[Jack Meoff]

I've heard of those guys and I'll definitely be checking them out.
That sounds perfect for the Caravelle.

 

[Kaitsu]

My daily drive Aspen is about 500 euros a year, it has the mandatory insurance that covers human injuries and the other guys vehicle damage (if I am guilty to accident) and it also has moose, reindeer, arson, car theft/spoiling and stolen valuables insurance up to 250 euros. I could have a discount if I installed a glove box lock and a car alarm.

The annual vehicle tax is about 300 euros.

I don´t know how it works in the Americas, but here we need to pay the amount for insurance annually, then you get about 3 percent discount every year when there are no accidents and this goes up to 75 percent of the base value.

Museum registration in Scandinavia requires that the car is at least 25 years old, has no other than OEM or OEM looking parts and can be driven any time of the year for 30 days. This is controlled purely by MOT office believing you don´t overuse your car. Usually if someone gets caught its a neighbor who has been stalking your comings and goings and decided to call the cops. The annual insurance pay for museum cars is 30 euros.

How does insuring a vehicle work over there in Canada and the US?

 

[Superpac Ninja]

Under a hundred ? Wow im in

 

[Jack Meoff]

My daily drive Aspen is about 500 euros a year, it has the mandatory insurance that covers human injuries and the other guys vehicle damage (if I am guilty to accident) and it also has moose, reindeer, arson, car theft/spoiling and stolen valuables insurance up to 250 euros. I could have a discount if I installed a glove box lock and a car alarm.

The annual vehicle tax is about 300 euros.

I don´t know how it works in the Americas, but here we need to pay the amount for insurance annually, then you get about 3 percent discount every year when there are no accidents and this goes up to 75 percent of the base value.

Museum registration in Scandinavia requires that the car is at least 25 years old, has no other than OEM or OEM looking parts and can be driven any time of the year for 30 days. This is controlled purely by MOT office believing you don´t overuse your car. Usually if someone gets caught its a neighbor who has been stalking your comings and goings and decided to call the cops. The annual insurance pay for museum cars is 30 euros.

How does insuring a vehicle work over there in Canada and the US?

The way I see it.
We pay and pay and don't make a claim unless you absolutely have to so your rates don't go up.....in good ol' tax grab Ontario your rates go up regardless of who's fault it is.

 

[slant6billy]

It is different all around and state to state. In my state they issue "QQ-_____" plates for Antique, classic, showcar, parade car, and street rod. Each has mileage restrictions and other things that could get you in trouble if you do not understand the rules. Good part about "QQ" plates - state inspection only once and they only check odometer/ speedometer (is working). Out of principle, I have conventional (everyday driver type) registration. I wanted to prove that a 35 year old car could be just as street ready as any new car. The rules don't require you to get QQ tags. Infact I've seen stuff in real sad unsafe condition riding around on QQ plates. Cops will pull you over with QQ tags and you could get a summons for operation of an unsafe vehicle. Same if doing burnouts in a 35 yearold Volare with conventional registration. Friends of my in Virginia got popped driving their old 1955 F100 and their 70 GTX. Apparently classic cars are in obvious violation when driven during morning commute times. Stay safe friends.

 

[Kaitsu]

So, for example: you park your car in front of 7/11. The car next to you happens to be a young driver with less than a week of driving experience. He crashes your car and it makes a dent in your front chromed bumper and launches the bumpers off the shocks.

He drives away and you don´t know whos fault is that. You call your insurance and tell them whats happened and they make it up to you, and you get an increased insurance pay?

I´m glad we have the reindeer insurance. You never know when theyre in heat and decide to gangbang your car. I saw one SUV that about 4-5 reindeers had totaled. The owner asked if it could have been straightened out and repainted but we said had to refuse.

 

[Jack Meoff]

Close......
I've had people hit my car and always settle privately.

 

[mirada80]

Under a hundred ? Wow im in

Yep, it is based on the appraised value of the car, and our cars are undervalued most times, lol...it is funny, rare does not mean valuable, 1 of 76 E58 360 and t-tops and worth about the same as a 10 years old Hyundai .... if I am lucky.

 

[Dr Lebaron]

I pay $120 for collectors insurance.....and it went up 20% in the spring.
Was $100 for yrs.
$9600 value.

 

[Dr Lebaron]

A$$holes who daily drive their cars on collector car insurance need a good beating.
I call it theft.
Stealing from car guys.
Ruins for the real car guys who don't DD their collector car and just farks our rates.

 

[kkritsilas]

Collector plates in Alberta are $100, lifetime. No renewals required, but they are very restrictive (basically, only allowed to/from car shows/drive ins/show and shines). Regular plates are about $80/year.

Sliver Wheels insurance is $125 for a collector/antique car valued at up to $3K. No appraisal required until a declared value of $5K or more. Silver Wheels requires that you have proof of a daily driver, and pretty much anything goes in terms of driving outisde of shopping.

Kostas

 

[Superpac Ninja]

Collector plates in Alberta are $100, lifetime. No renewals required, but they are very restrictive (basically, only allowed to/from car shows/drive ins/show and shines). Regular plates are about $80/year.

Sliver Wheels insurance is $125 for a collector/antique car valued at up to $3K. No appraisal required until a declared value of $5K or more.

Kostas

You say plates do you mean plates and insurance on the vehicle?

 

[kkritsilas]

No. Plates are plates. Insurance is private, and you need proof of insurance to get plates. Plates and insurance are separate, plates are provided by the local DMV, insurance is by a private company, in this case Silver Wheels.

Kostas

 

[Superpac Ninja]

Got ya ,cool i should look into silver wheels but we get a multi vehicle discount if we stay with who we are with and it out weighs at the moment the benefits of switching