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Thread: DeLorean car insurance

  1. #1
    Senior Member Trstno1's Avatar
    Join Date:  Aug 2014

    Location:  Anchorage, Alaska

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    DeLorean car insurance

    Has anyone had an issue getting car insurance for your D? My insurance company wants me to get an appraisal on the vehicle before they will quote me an insurance price....

  2. #2
    Senior Member Dangermouse's Avatar
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    My VIN:    2743

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    Make sure you get "agreed value" insurance.



    Do a search on here on "insurance" and you will get more info than you can possibly digest
    Dermot
    VIN 2743, B/A, Frame 2227, engine 2320

    I don't always drive cars, but when I do, I prefer DeLoreans

    http://www.will-to-live.org

    No-one is to stone anyone, even, and I want to make this absolutely clear, even if they do say "carburetor"

  3. #3
    LS1 DMC Nicholas R's Avatar
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    I have progressive for my truck but they said they wouldn't even consider my DeLorean. Hagerty gave me a great rate for the DeLorean. In fact, when I add my 70 Opel GT to my Hagerty account, my rate wont even go up (because its so much less valuable than the DeLorean and will cause me to drive the DeLorean less).

  4. #4
    My friends think I'm nuts jawn101's Avatar
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    +1 to all that was said. Search the forum, there are several threads with hundreds of posts. Also big +1 to Hagerty, if you read all those previous posts you'll see dozens of others who agree.
    Jon
    1981 DMC-12 #02100. July 1981. 5-speed, black, grooved w/flap.
    restoration log, April 2012 to present
    restoration log, March 2011 to April 2012
    full and detailed photo restoration log

  5. #5
    Member
    Join Date:  Sep 2011

    Location:  Jacksonville, FL

    Posts:    83

    My VIN:    3849 (former 4117)

    American Modern http://www.amig.com/ - Unlike Hagerty, there's no restrictions on driving your car to work if you like...even once a week...that was a deal breaker for me with Hag. Unlimited mileage too.

  6. #6
    Senior Member Trstno1's Avatar
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    Quote Originally Posted by Kozmatic View Post
    American Modern http://www.amig.com/ - Unlike Hagerty, there's no restrictions on driving your car to work if you like...even once a week...that was a deal breaker for me with Hag. Unlimited mileage too.
    If you don't mind me asking, how much is your policy with amig costing you?

  7. #7
    Member
    Join Date:  Sep 2011

    Location:  Jacksonville, FL

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    My VIN:    3849 (former 4117)

    Quote Originally Posted by Trstno1 View Post
    If you don't mind me asking, how much is your policy with amig costing you?
    $330 for 12 months

  8. #8
    Member
    Join Date:  Sep 2011

    Location:  Jacksonville, FL

    Posts:    83

    My VIN:    3849 (former 4117)

    One thing to keep in mind and I think all of the classic car insurance companies do this - if you own another car and have lower limits than what they'd normally cover you with, they'll reduce your limits with their policy to match your other policy. So if their classic car policy has $100,000 liability limits but you have $30,000 liability limits with your Honda Civic with Geico for example, they;ll reduce the Delorean limits to $30,000. This reduces the chance that they'd get sued for additional damages if you were to wreck your Honda.

  9. #9
    Senior Member OverlandMan's Avatar
    Join Date:  May 2011

    Location:  Rowlett, TX

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    Hagerty

    I just did a quote via their website and it came back @ $402/yr! Geez! Last year I paid $145 for the year. That seems a bit excessive. Is that what the other folks using Hagerty are paying? I understand it varies by location a bit.

  10. #10
    Senior Member mluder's Avatar
    Join Date:  May 2011

    Location:  Happy Valley, OR

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    My VIN:    4456 - Owner since March 2011

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    I have insurance through Sate Farm... They would not do an agreed value policy without a driving restriction.
    I looked at Hagerty and it's nearly double what my current premium is.

    I understand the benefit of agreed value - but if your car is totaled any insurance company has to use comparables to evaluate the pre-accident value of the car. So what's the risk?
    Cheers
    Steven Maguire
    #4456


    IT'S A TRAP!!!!!

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