Yeah...I'll give them a call and review my policy. Maybe it was a mileage thing, cuz I remember them asking how many miles I drove and each of the rigs I answered for were between 10 and 15k. So maybe they were willing to cover that distance. But I'll give it a look.

 

I just want to say that I have an '85 F150 4x2, nothing special (except to me). We had a hail storm here in '05, and I had full coverage on my truck. When I claimed on it Allstate totaled it, and I ended up having to buy it back from them. I can't recall the exact numbers, but it was close to $1100 that they paid me and $300 to buy it back. We have had this truck since we got married, it was our first vehicle together, and we plan on keeping it. I don't think we will ever have full coverage on any vehicle that we do not have a note on again.
If anyone finds good coverage for a truck that gets used for errands, off the beaten path camping, hauling stuff, garbage dump runs, isn't garage kept, or a daily driver I might be interested in changing my coverage.

 

Well, my taxes aren't actually that bad. I pay 5% on everything since my province is privatized. BUT! At the end of the calendar year, I get over 75% of it all back because I'm a student!

Life is grand when you're a student :P

If they were smart, they'de know that this is never true. You can't ever get something for nothing. It will cost you in something shape or form. Maybe not initially, but it will eventually.

But I guess that's what you get with people that initially don't have insurance to begin with. I couldn't assume that they were that smart, if they're driving illegally.

 

Here's the deal with my Grundy coverage, I upped the miles (well they did when filling out the info), they upped the premium. I still have a garage for them, so that's good and I do have a primary vehicle, so that's good. So as long as I stay under the miles, I'm good. Seeing as I rotate rigs fairly often, that mileage isn't a concern. I remember they said they prefer to keep miles under the 4-6k range, but since I'm a higher mile risk, the premiums reflect it. Sorry for any confusion.

 

The Grundy deal I was speaking to them about was for unlimited miles, so the fact that I can't use it like I want to is the big hairy deal. I think I'm somewhere between a collector and daily driver, and there isn't a good fit as of yet.

Maybe I need to start my own Dentside and Better-than-Beater Insurance Company!!

 

I'm telling you, try American Modern. When you get a quote, you can select "Vehicle used for occasional work." Definition is:

"Occasional Commuting - If you like to drive your collector vehicle to work once in a while to blow the dust off of it, show off to your coworkers, or because there is a cruise-in on the way home, this is the usage type for you. If you drive your collector vehicle to work more than twice per week, please contact us to confirm if you qualify for coverage."

From the way I read this, you can drive it a couple times a week to work or wherever. Just got a dummy quote...When I selected the option, indicated that I lived in OK, 3000 miles per year and had a kill switch (passive device, which could be just putting the 4WD in neutral, pulling the coil wire, switch, etc.) for full coverage (up to $10000) for a 75 F250 it came out to $156 a year.

You've got to garage it, have a primary vehicle, and have 10 years driving experience with no major infraction (DWI) or no minor infraction (speeding) in last three years. I had a speeding ticket from last November and it was no problem.

 

What about mileage limits? But so far, I'm impressed and going to check them out. Are they reputable? Anyone else have them or had experience with them? Hate to put in a claim and find out the company is no good. Every show I go to and every car collector owner knows that Hagerty and Grundy are the two top dogs in the the industry and have paid out over the years. Gotta check this out. We should also check out Shooter's company. I bet his rates are cheaper.

Their website looks good! I'm going to seriously have to check them out. Thanks 70BroncoTX!

 

That sounds like collector car insurance through Grundy and Hagerty, which are well-known companies for that. My buddy and I both have old Mustangs, mine's with Grundy, and his is with Hagerty. Both have told us that we can drive them to work on occasion, but we must have a primary vehicle, keep them in a garage etc. It's nice to know there's another collector car option, and the price is in the ballpark. I never heard of American Modern, but if they're reputable, competition's good for everyone.

Personally, I'm looking to insure my dent as a primary, daily-driven vehicle, that won't be treated like a modern vehicle in case of an accident.

 

Question...I was looking for the option 'occasional driver' option everywhere, and couldn't find it. I went through the boat & recreational link and then followed the collector car link after that. Never saw the driver option. Any chance you have the path that you followed?

 

You have to hit the "Get a Quote Now" option on www.amig.com/collector_vehicle.html

Once you fill out a couple of short pages (something like 12 questions, including your name, year and make of vehicle, and annual miles you plan to drive it) there's a button that says, "Get Quote". You don't get the quote yet--you have about 15 more questions, but most are check boxes. One of the boxes is for the "Vehicle used for occasional work." A description box can be clicked on to see the definition.

 

I did that...and just did it again...still not seeing the occasional commuter, I fill out my info, fill out the rigs info, a section for coverage on paint and parts and then it gives me a quote. Doesn't really matter, I'm happy with my coverage, was just glad to see another option.

 

That's what we all want. I'm in the same boat as you are, trying to find this type of insurance.

Maybe someone literally should just start their own company. I'm sure they could find a multitude of customers and put many other companies that deal with antiques out of business, at least for their antique services.

It'd be interesting to find an insurance comany that treats the vehicle like it's their own, like they helped you build it and appreciate it as much as you do, but don't charge you your first born child to keep it that way.

 

On the phone with them right now! I did go through the online quote after you posted about them the first time, and they 'weren't able to provide a quote' at that time, and again today, so I'm on hold waiting right now. Boy their hold music sucks...

 

Alright folks, I'm steamed!

Just hung up with American Modern. Went through the whole process to get setup and all the while the lady was questioning me. When asked how many miles a year I would be driving, she read the list as it was on the website...Less than 1000, 300 or 6000. Now she didn't mention the unlimited selection that is on their website, so I asked if that was an option, and referenced the website menu. Her reply was 'you know you can't drive anywhere other than to a car show, an occasional pleasure drive and once a week to work.' I told her I read on the website twice a week to work.
I told her my situation, curently with State Farm, covered for $5000, restoring the vehicle, bla bla bla. I told her I needed coverage for $10-15K while I finish the restoration, at which time I'll have it appraised and it won't be an issue anymore.

I said I was concerned with how a claim would be handled, with all of the stipulation, what hoops would I have to jump through to prove I had only driven it to work once this week, or I really was coming home from a car show when we stopped at WalMart.

Her response was "We have denied claims when vehicles were hit in the WalMart parking lot because your not supposed to be driving thses cars to WalMart."

WHAT! I asked what if my pleasure drive was down to WalMart? Or we were showing off our rides in the WalMart parking lot? Reply "Only if it is a car show." What if I got hit in an intersection in the middle of the day? She said "As long as your trunk isn't full of groceries, you should be fine."

I hung up. I think it's a scam, it seems much more liberal on their website, but when it comes down to it, they've got you by the knutts when they deny your claim.

 

Let us know when you are going to start writing policies!