Hi, what auto insurance providers does everyone use? I'm only 23 y/o and am several years off from qualifying for Classic Car Insurance (Hagerty, Kant, etc). Anyone have any suggestions?
Location: Near Toronto, ON
Posts: 1,211
My VIN: Previous Owner of 5875
Club(s): (DOI)
Hi, what auto insurance providers does everyone use? I'm only 23 y/o and am several years off from qualifying for Classic Car Insurance (Hagerty, Kant, etc). Anyone have any suggestions?
Location: Sacramento-ish
Posts: 4,408
My VIN: 02100
Club(s): (NCDMC) (DCUK)
There is a very lengthy thread on this already. Look for it, I doubt you'll get any answers here before the thread gets closed.
Jon
1981 DMC-12 #02100. July 1981. 5-speed, black, grooved w/flap.
restoration log, March 2011 to present
full and detailed photo restoration log
Location: North Bay, Ontario, Canada
Posts: 481
My VIN: 4692
I put mine on my normal policy, because I want to DRIVE the car. I'm not going to limit my driving to show-related endeavours, on weekends, for only a couple thousand miles a year. (I'm with Royal Sun Alliance.)
The other DeLorean up here is with Co-Operators, same deal. I also know a third owner who's with them as well.
So, at least you have two companies who know what one is, and has been known to insure them.
You didn't ask rates, which is appreciated, because no two situations are the same. But think about how's your insurance premiums are now. Do you have other transportation for the off season and in case of breakdown? Hooray for multi-veicle discount!
You'll want an appraisal by an "accrdited" Ontario appraiser, whoever you're with. Ask your broker or agent who those are for your specific company.
EDIT: Jawn, they're asking Ontario-specific information, about companies licensed to operate in Ontario Canada, that the Ontario owners use It's not like all the other threads, and should be safe.
Last edited by Cory W; 11-27-2011 at 07:19 PM.
Location: Sacramento-ish
Posts: 4,408
My VIN: 02100
Club(s): (NCDMC) (DCUK)
Damn! I didn't see that (was browsing via Tapatalk) Thanks for the clarification Cory.
FWIW, I also keep my D as a third car on my standard auto policy. It doesn't let me have an agreed value clause, but allows me to actually drive and enjoy the car. And they didn't have any problem giving me full coverage, even comprehensive/glass coverage.
Posts: 1
Nice information, valuable and excellent design, as share good stuff with good ideas and concepts, lots of great information and inspiration, both of which I need, thanks for all the enthusiasm to offer such helpful information here.
top rated car insurance
Location: Near Toronto, ON
Posts: 1,211
My VIN: Previous Owner of 5875
Club(s): (DOI)
I contacted Co-Operators Insurance and they will insure a DMC under an 'antique' policy for well under $600 per annum OR under a normal policy for a reasonable price also. The catch is that they will only provide coverage if I switch my current provider (Bel Air Direct) for my daily driver, which is fine, but hey want to charge more than double what I currently pay. Either way, I will be paying under $300/month for both cars.
Location: Baton Rouge, Louisiana
Posts: 3,047
My VIN: 16510 and carbureted
Club(s): (GCD) (SEDOC) (DCUK)
In situations like this it might be in your best interest to find a clunker that barely runs for a few hundred dollars, tell Co-Operators Insurance the clunker is your other car, and insure it with whatever the state minimum is, and just leave it parked in your driveway. Doing this will let you continue to pay a decent price with whoever currently insures your daily driver, and you will be able to get the decent rate with Co-Operators on your Delorean.
Location: Baton Rouge, Louisiana
Posts: 3,047
My VIN: 16510 and carbureted
Club(s): (GCD) (SEDOC) (DCUK)