Re: Cheapest liability insurance for my old 1978 Dodge van.

Mike Romain wrote:
> I believe you are 'really' confused by your coverage.
> 
> They don't care one way or the other what kind of 'classic' car you have

>  because they are 'NOT' insuring 'it'.  They are giving you insurance to

> cover the 'OTHER' car in case you hit someone.
> 
> That is called Liability insurance.
> 
> You can go drive into a post and they don't care about the condition of 
> your van, they 'will' pay for a new post though...
> 
> To have coverage for 'your' van, you need what is called Collision 
> insurance.  Then your van is covered for damages if 'you' hit something.
> 
> You need an appraisal for your van for 'comprehensive' coverage or 'fire

> and theft' and for the situation of 'you' getting hit.  Without the 
> appraisal, you get 'book' value for it if hit or stolen or burned or 
> likely less than $500.00.
> 
> I know this because I have a 1986 Jeep CJ7.  Book value less than 
> $1000.00, real value over $12,000.00.
> 
> Mike
> 86/00 CJ7 Laredo, 33x9.5 BFG Muds, 'glass nose to tail in '00
> 'New' frame in the works for '08.  Some Canadian Bush Trip and Build
> Photos: http://mikeromainjeeptrips.shutterfly.com
> 
> 
> cuhulin@[EMAIL PROTECTED]
 wrote:
>> Progressive is the company which handles my liability insurance for my
>> old van.My liability insurance runs out at the stroke of midnight just
>> before Sunday morning.(kind of cool how they work it like that, no
grace
>> period on Sunday) The local office is about four miles from me.They are
>> closed on weekends.I guess I might as well drive on over there and
write
>> a check.The next liability insurance (after I pay for it today) bill
>> will be due by August 17,2008.(stroke of midnight)That will give me six
>> more months to look around for something cheaper.If I had an enclosed
>> garage, I think I could maybe get a much cheaper rate from J.C.Taylor
>> insurance company.They handle insurance for classic and vintage
>> vehicles.They require a photo of such vehicles and enclosed garages for
>> vehicles.I can't enclose my house's attatched car****t because the
>> electric meter is on the wall of my house inside of the car****t.
>> cuhulin
>>  


The big thing is also to look at what is actually covered. Most of the 
"Classic or vintage" coverage out there does NOT cover normal use of the 
vehicle. It only covers you if you are in a covered event (parade,show 
and such) NOT daily driving. Most also have a mileage cap and "sunny 
day" terms as well. get caught driving outside the limits of the policy 
and not only will they drop you but the police can get you for driving 
without insurance. And if it happens that you are involved in an 
accident and are outside the policy limits,I hope you have a REALLY good 
lawyer and lot's of money.

Another item to be aware of is that the vehicles age and type also have 
a big impact on the price of the insurance. As does your location and 
the accident numbers for your city/county.

-- 
Steve W.
Near Cooperstown, New York

Life is not like a box of chocolates
it's more like a jar of jalapenos-
what you do today could burn your ass tomorrow!