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Re: Antique Farm Tractor Or Truck Insurance
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Posted by jdemaris on April 20, 2007 at 05:51:48 from (66.218.11.190):
In Reply to: Antique Farm Tractor Or Truck Insurance posted by Joe in MN on April 19, 2007 at 16:05:47:
I've had "collectors" insurance on four vehicles for the past 10 years. The company name has changed every year - seems there's some sort of shuffle-game. Rules and rates also keep changing. But - my insurance is for antique/collector/special interest vehicles that get driven on the road. Some companies charge a higher fee for the first vehicle, and around $75 for each additional. Last year I paid $150 for vehicle #1 and paid $75 each for all the others. Others charge separate per vehicle. My mileage limit is 1000 miles per year per vehicle. That can be expanded by paying more money. Also, each car or truck must have dated photos from every angle and sent in every year. Coverage is liability, comp. and full collision. Technically, I am not allowed to use the vehicles for "non-collector" activities.
When getting the insurance - after you send in the photos - you make an agreement on the value of each piece, and the premium is set accordingly.
I never cared about replacement value - I just want the legally require liability so I can drive on the road. One company recently posted these rates: $5000 replacement value is around $150 per year.
$10,000 is $220 per year.
$20,000 is $370 per year.
$50,000 is $820 per year.
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