[MCRParts]

Here's kind of a heads up for some of you guys out here.

We have a 92 LX that we use for our show car.Being in the resto business it's about 90% restored in a sense that pretty much everything is new but the motor.

Every year we battle with the insurance company about "what if the little old lady blows a stop sign and totals the show car?" been told over and over "Oh it's only covered for book value" which is probably only 3Gs.

Well this year we dug deeper and probed the agent for info on additional coverage.

I was pointed into the the direction of American Collectors Insurance.these guys were pretty cool.They asked me a bunch of questions about mileage and what the car was used for and what it's worth,and what mods are done to it Etc.

The end result was great, with the old policy we were paying 748/yr and basically if the car got totalled we were screwed.

With the collector car insurance it cost us 267/year for 12,000 coverage.

Granted the package isin't for everyone, we only put about 1,000 Mi a year on the car,but at least it gets drivin to shows and if something happens it's covered.

Some of the stipulations were things like we're limited to 2500/yr, the car has to be in a locked garage, with this company you can drive at night (some you can't), who ever drives the car has to have had their license for at least 10 yrs. Ho and NO RACIN

BUT for you drag guys,ask you local track about racers insurance.Our track up here has it it really inexpensive,and it covers the car in the event you wipe out on the track, where your local insurace company will say C-YAH.

Hope this is useful info.

Tony

[Jay98]

Good info. I always wondered about that type of Insurance. It sounds like my '88 may fit into that type of policy. I hardly ever drive it. Thanks!

[hotshot]

i will grab some of this insurance 10-15 years down the road when i turn my car into a collectible and take her off the DD duty.

[crazycarnut]

wow that could suck for a guy like me. I've not been driving for 10 years. I would love to get my T/A coverd.

[EvilHomer270]

Sometimes collector car insurance also offers protection to any spare parts you have in the garage against theft.

Also the second any car hits the strip or road course there is no insurance coverage provided from your regular insurance company. I had no idea that they had special racing insurance available at the strip. Maybe I will take the stang for a few passes. No insurance was one major reason I would not race the car.

[MCRParts]

Yup, the agent told us that too.If we have a part for the car sitting on the shelf and it gets damaged somehow,the part has coverage on it too.

Also they can custom taylor the insurance for your mileage and dollar amount. I could have done 15,000 for 316/year

the racing insurance is well worth the $$ ask your local track about it.Heck the seasons just starting out.You'll have the whole summer to have fun.