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  #16  
Old 01-30-2014, 06:40 PM
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shotgunslade shotgunslade is offline
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Re: insurance for historic vehicle.

American Collector Insurance had no problem with my valuation of $15,000 for my "modified Subaru SVX" I do have "towing and labor coverage" for retrieving the car, but I also have $500 deductible for almost everything else.
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  #17  
Old 01-30-2014, 09:05 PM
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svxcess svxcess is offline
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Re: insurance for historic vehicle.

I resubmitted my application to American Collectors Insurance and changed my comprehensive/collision deductible from $0 to $250 to see what the change would be. Only $3.80 cheaper.

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1996 Polo Green LSi #216..138,100 miles...SOLD

JFICX8659TH100216.....Date of Manufacture: November 16, 1995.....
Fuji Heavy Industries..Ōta North Plant....Ōta City,. Gunma Prefecture, Japan

In-Service Date: January 2, 1997



"The Pristine Green Polo Machine”
First Polo Green on the Network
First Clear front turn signals, JDM Alcyone hood emblem, rear panel, and BOXER engine cover on the Network (US) (2000)
First 5000K HID factory fog lights (2007)
First SVX JDM BBS wheels on a USDM SVX (2013)

HID lighting (5000K) for headlight and H3 fog lights, PIAA SuperExtreme 120W high beams, rebuilt EG33 longblock, Cometic head gaskets, Phase II flexplate, AMR aluminum radiator with custom silicone hoses, 160A high-output alternator in aluminum-ceramic coated case, new design alternator wiring upgrade v.4, rare factory headlight protectors, refinished JDM BBS mesh aluminum wheels and custom, polished billet aluminum new hex center caps, LED grille mod, R1 Concepts high-carbon cryo slotted rotors, Akebono ceramic pads, Goodridge S/S braided brake lines, Smallcar Stage 1 shift kit, ThermalTech aluminum/ceramic-coated valve covers, Energy Suspension urethane front & rear swaybar bushings, Bontrager22 rear swaybar with QS Components Chromoly Teflon/Kevlar endlinks, "$15.00/5 minute" suspension mod. Hella Supertone horns, Custom stainless steel exhaust system with 2" headpipes, Magnaflow cats, AeroTurbine AR25 resonator /AWD "Bullet" muffler.


R.I.P. 2010 Subaru Outback Limited 2.5 CVT...338,000 miles. Totaled by a 1,300 lb. COW March 4, 2016

2014 Hyundai Avante Limited ...178,000 miles. Actually quieter and smoother than the Outback

2007 Mazda Miata MX-5 PRHT...102,000 miles.
Plenty of parts, service and windshields.


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Last edited by svxcess; 01-13-2015 at 06:31 PM.
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  #18  
Old 01-31-2014, 05:37 PM
92snowmachine 92snowmachine is offline
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Re: insurance for historic vehicle.

Quote:
Originally Posted by B 4 You View Post
I'm 22 years old, no accidents at my fault on my record, and my premium is $250/6 months for both my wife and I on my SVX. I only have liability on it, but my coverage is pretty good. I'm not sure why some people pay so much... I'm on Geiko.
there is a huge difference between liability and comprehensive coverage and also discount insurance and good insurance. i deal with a lot of insurance claims at work. some companies will send an adjuster same day and he will print out a check in his car, others the car sits here for weeks. geico likes to use independent adjusters so they don't have to put them on payroll so its a real crapshoot to see if you will get your car fixed in a timely manner if at all.
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  #19  
Old 02-01-2014, 10:25 PM
Chucksta Chucksta is offline
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Re: insurance for historic vehicle.

The premium also has a lot to do with where you live, marital status, etc. All rates are based on actuarial (sp?) tables. If you live in but hump nowhere, drive less than 10 miles to work... it's gonna be stupid cheap compared to someone who lives in a metropolitan area. In the GTA ( Greater Toronto Area), we have the highest ratio in Canada of newly licensed drivers, and a correspondingly high rate of accidents / claims. When you live somewhere with a population of a couple of thousand, there's a hugely different number for the amount of claims for theft, vandalism, accidents, etc. In a small town, who the hell would steal your stereo? Who would they sell it to?

Years ago, I bought a summer home in very, very rural Quebec. At the closing, there were no keys for the upper rental ( it was a duplex). I asked WTF?? The answer was that there were no keys, as it was a patio door entrance. When the vendor built / renovated the upper unit, it didn't occur to them to think they needed to lock it. In areas like that, almost forms of insurance are cheaper.

How small was the town? If you took a deep breath when you hit the the "now entering" sign, and the only stop light was green, you would pass the road sign to increase the speed limit leaving town before you needed to take another breath. LOL..

I never understood cheaper rates for married people until I got married, I understood it even more the first time I held my son in my arms. It would seem that the mantle of responsibility does affect where the edge of how far you'll push things lies.
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