I was wondering what oldschool car insurance you are using because I need to get some instead of paying 600$$ a year for something I really don't drive often But I don't drive a new car it's a 89 accord and my car doesn't stay in a garage but I was thinking of just telling them that I drive a new car but its in my parents name and just tell them that I keep it in the garage ..? Do you think that it will work ..I'm trying to get it insured for 8000-9000
I have Hagerty insured for $8000 w/ road side assistance $191 per year... Going to raise it to $15000 this year... It needs to be kept in the garage when its home, and you can't drive it to work....
I saw an advertisement for...Grundy Ins....yesterday and they said they insure all cars and trucks now... (including daily drivers)...
O.K. You are wanting to insure your 1989 Honda Accord...and you want to deceive the insurance company in the process, and advertise all this for the entire world to read on a public message board? No....it will not work. It is called insurance fraud. If (and when) you get caught...you will wish your insurance was only $600 a year.....for the rest of your life. Insurance rates are based on lots of factors: age of the driver, vehicle, location, coverage, etc. You can lessen the rates by not carrying full coverage and raising your deductibles. Also: Is there a reason your 1989 Honda Accord needs to be insured for $8000 - $9000?
I would like to say that being an insurance agent this is mild to some of the things we have been asked to do. One of the worst is people wanting us to back date a policy because they have been caught for not having insurance. I could probably write a 10 page list of crazy things people ask for us to do.
I agree w/ Craig. Insurance companies are'nt stupid - If they were they wud'nt be in business. I say come clean and give them the real deal. They are not going to insure the car for more than book value. In most states an 89 wud not qualify for "oldschool/car insurance.
if I read this post right I think hes saying that he wants his honda insured BUT hes saying that he will tell the insurance company that he rarely drives it and that he keeps it locked in the garage. he is saying that he will tell the insurance company he drives mom and dads car all the time. HES NOT SAYING THAT HES INSURING THE NEW CAR BUT INSURING THE OLD CAR AS A BACK UP CAR NOT HIS DAILY DRIVER. this would work IF his parents had him on there insurance policy. but then he wouldnt be saving any money unless his folks were paying for him on there insurance. I dont know if they can even add him on there policy if he doesnt live in the same houshold. maybe its time to get a different car. hondas used to be one of the most commonly stolen cars. that might be a factor in his rates? full coverage on that old of a car is a waste of money. they will not fix your car if youre in an accident theyre going to total it out for the smallest thing since its so old. the value on a car like that isnt much even heavily modded. the insurance company isnt going to spend $1000 or more to replace a bumper at the body shop when the average value of a car like that would be around $2000.so all of the extra money you pay in premiums is just fattening there pockets. I asked my insurance company this for my 95 corolla and they told me its not a good investment for my old car
I'm not sure if things have changed or not but you always had a primary driver listed per car insured and I'm sure Dad would already be listed as the primary driver on the new car. The poster would then be listed as primary driver on the Honda. My 28 year old son drives a 98 Acura Integra (still a Honda) and has a clean driving record and also pays 600 a year with State Farm. He paid more than that with Nationwide but that is one of the reasons that we changed companies
The translation isn't coming out clear..... Which car are you trying to get coverage for, the Honda or the Mav in you profile? I don't think you will find anybody that will sell you agreed value insurance on the Honda, it's not old enough and it's not considered a classic. If you are trying to get agreed value insurance coverage on the Mav, and the policy states it can't be a daily driver and that you must have another car, the Honda would fit the bill. I don't think that they have any requirements on what the other car is or how old it is, just the fact that you have a daily driver and don't use the one covered by agreed value insurance as a daily driver. Like Frank said, Grundy will now insure everything you own, even daily drivers, for an agreed value. There are limits, they won't insure a rust bucket with the same amount of coverage they would give a pristine example of the same car. I looked into it when they first announced it, but decided I'd wait and see how it lasted before I changed all my insurance out.
Ok yes I am trying to get insurance on my 70 Mav ..not the Honda I dont drive the Mav as a daily driver just for fun But last time I tried to insure it I had a 78 f150 and they said that it was too old for a daily driver and that I had to keep it in a garage ...and therefore I could not insure it? Sorry for the confusion
I wud just put liability insurance on the 89 and leave it at that. In my state liability insurance is a requirement. An 89 Honda is pretty much in the "GREY AREA" for insurance. Not old enough for Old Car Insurance and too OLD for present day insurance "full coverages".
O.K. You are trying to insure the Maverick. That clears it up some. No more than you drive it, it would be ideal to have classic car insurance on thr Maverick. But....they are going to require that the Maverick be stored in a garage. No way around that.
I insure my 1970 Mav with American Collectors INsurance Company (www.AmericanCollectors.com). I think it is a good value coverage at a reasonable premium... Good Luck! But can't be a daily driver...
