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CBone
10-25-2008, 03:00 PM
We'd added a 1985 FJ60 to the family and am having trouble getting insurance for it. We use Horace Mann, as Christa is an educator and they have great rates for our other vehicles, but they said they won't insure the LC? Does anyone understand this insurance thing and more importantly, who and how do you all insure your older rigs?

Thanks for your thoughts.

chtucker
10-25-2008, 03:15 PM
I have never had a problem with an older vehicle... Were you trying to get collision?

My 77 Bronco is insured as a classic car with a stated value...

cbmontgo
10-25-2008, 03:16 PM
I use State Farm for both of mine.

Romer
10-25-2008, 03:43 PM
I had my FJ40 insured with Liberty Mutual for the appraised value.

Hulk
10-25-2008, 05:24 PM
All my vehicles are insured through Allstate. Never ever had a problem.

Mendocino
10-25-2008, 09:18 PM
I have my '75 insured by the Hartford for appraised value and I have not had an issue.

MDH33
10-26-2008, 08:54 AM
I'm using Travellers and have full coverage on my 60 and 40.

Uncle Ben
10-26-2008, 09:03 AM
Allstate has been very good to us over the years! So good I have to brag on them for what they did recently.......my '64 FJ-40's collector series plates were about to expire. I did not want to jump emission hoops again and the vehicle is very much un-drivable right now. A simple call to my agent got me a faxed proof of insurance which let me renew the tags. The vehicle has been torn down for nearly two years and off the active policy once the currant morph began. They must value me as a customer so they will continue to have my loyalty!

nakman
04-18-2015, 06:25 AM
Hey are the rest of you guys getting "Antique, Collector's Insurance?" I got my policy yesterday on the 40 and did this.. $42 for 6 months. That's cheaper than a motorcycle.. :)

MDH33
04-18-2015, 07:10 AM
Wow, that seems super cheap. Is that full coverage? I insured my FJ60 for full replacement value and I think I'm paying somewhere around $300 yr, but as my daily driver.

I also got a quote for collector insurance for replacement value but the collector policy had a clause that I would not be using the vehicle on a regular basis. That one was $180 yr.

nakman
04-18-2015, 07:52 AM
There wasn't any stipulation on miles. I guessed at 2000 annually... not sure if I'll exceed that or not, guess we'll see.

from https://www.statefarm.com/insurance/auto/antique-classic-cars

Your antique or classic car must be used on a very limited basis, such as exhibitions, club activities, and parades or similar events

So the Rally, trail runs, RS meetings.. all seems as intended. Driving my classic car to events with my car club. :)