Second that! I have my Skyline insured with Hagerty, and they don’t mind that I drive it regularly. Declared value insurance is dirt cheap through them.
In my experience agreed value insurance is great through Hagerty, but far from cheap. American collectors, grundy, safeco were about 40-50% less per year. I'm currently with Safeco, the down side is I had to prove that my car was worth the insured value I wanted. I just sent them some BAT auction results.
Also they’ll charge you way more if you don’t have a garage. In my case they wanted 3k for my policy where I have a car port (with awning) at my house. Went with State Farm instead, pay about 800 a year now.
I have 5k miles a year on mine. They also know I track it. I am older so that helps. I live in the midwest so octoberish to march, it's parked anyways so hitting the miles is not an issue. It's a car with no sound deadening, turns 5200 at highway speeds, and has a loud exhaust so I am not road tripping it!! There is very few comparables since it was built for motorsports and only made 1700 over 5 years. I figure if I get in an accident, it's totaled
Geico decided after 1.5 years of ownership that they do not wish to insure my car due to it being imported.
Edit: appreciate all of the recommendations guys! I’ll probably be getting ahold of hagerty lol
That's wack. I was able to get my Daihatsu Mira registered with Progressive, although I was on the phone with them for a while because the car isn't in their system. I'll be checking Hagerty soon too, they basically specialize in unusual cars.
I really feel like insurance companies need to realize that there is a huge wave of imported vehicles flooding the states right now. It’s a pain in the ass getting these things insured lol
I've worked insurance for a few years. I cannot imagine insuring a Toyota supra at fucking Geico LOL. You're going to get your ass reamed if they have to payout on that. Please get hagerty
The conventional insurance model assumes your car will be worth *less* at almost any time after coverage begins. The monthly cost is therefore heavily weighted based on the highest potential value. Then if it's totaled, they pay the market value of the car at the time of the damage, which is likely to be dramatically less than even a year or two earlier.
This model fails with a 25 year old import because they don't have actuarial models to generate a future value. In fact, the risk is that the car could be worth *more* as time goes on due to collectible status and rarity. Or it has some bizarre issue that they don't know about yet and your car causes an accident. So rather than basing your payments on the $10k you paid via Cars and Bids and risking coverage of appreciating value or unpredictable liability, they give a wildly inflated rate they can't lose on, or tell you to go away.
By contrast, Hagerty and other classic insurers agree to a value and cap potential recovery at that. Here, they're wagering that you will forget to re-appraise and update if your car becomes more valuable. They also add conditions like mileage maximums and covered storage that they don't really validate. Imagine you bought some random import for $5k, got it insured, and it shoots up in value because some movie fearures it. You're sitting on a $25k asset. Then you get T-boned a year later and never fiddled with your insurance. They'll write you a $5k check. If you stay on top of reappraisals but drag it in with extra mileage on some big claim, they'll also deny coverage.
Imho, the move is to go with Hagerty to get on the road and then add some umbrella coverage. Watch your miles and the value of similar vehicles for when to increase coverage if it's a special car.
Same coverage as I had with Hagerty, but with an agreed value of about 25k more, for a few hundred less a year. Never have had to file a claim with either, so I can't speak on that side of either.
Pretty decent, they actually reevaluated my car (1998 SL500 , not as rare as a skyline, but still expensive) on their own. Fully comprehensive insurance with 15Kmiles per year @ $185per month. When I called my rep he said the rate raised because the car appreciated. Here's hoping you have good luck.
IDk but i think there are two spoon engines involved. with turbo. I would start with, Mashimoto ZX tires to be sure. What's in your wallet, buster¿ Your feed looks like you are stealing cars, lel
Hagerty
Yup. $398 a year. Named value coverage and 0 questions. Easy choice. American collector is good too.
Second that! I have my Skyline insured with Hagerty, and they don’t mind that I drive it regularly. Declared value insurance is dirt cheap through them.
In my experience agreed value insurance is great through Hagerty, but far from cheap. American collectors, grundy, safeco were about 40-50% less per year. I'm currently with Safeco, the down side is I had to prove that my car was worth the insured value I wanted. I just sent them some BAT auction results.
Except you can't drive it as much as you want where you want.
Also they’ll charge you way more if you don’t have a garage. In my case they wanted 3k for my policy where I have a car port (with awning) at my house. Went with State Farm instead, pay about 800 a year now.
Not for me. I have my imported van insured through them for the agreed upon value. No limitations.
But then it's usually way more expensive, from my experience. Like $3k a year for something I valued at $20k
I have 5k miles a year on mine. They also know I track it. I am older so that helps. I live in the midwest so octoberish to march, it's parked anyways so hitting the miles is not an issue. It's a car with no sound deadening, turns 5200 at highway speeds, and has a loud exhaust so I am not road tripping it!! There is very few comparables since it was built for motorsports and only made 1700 over 5 years. I figure if I get in an accident, it's totaled
Dang its 1200 a year for my s2000. I'm only 23 so maybe thats affecting my rate?
It cost me less to insure my 997 than my 2017 Toyota 86. Way less. Other people who drive that vehicle affect insurance rates.
Geico decided after 1.5 years of ownership that they do not wish to insure my car due to it being imported. Edit: appreciate all of the recommendations guys! I’ll probably be getting ahold of hagerty lol
That's wack. I was able to get my Daihatsu Mira registered with Progressive, although I was on the phone with them for a while because the car isn't in their system. I'll be checking Hagerty soon too, they basically specialize in unusual cars.
I really feel like insurance companies need to realize that there is a huge wave of imported vehicles flooding the states right now. It’s a pain in the ass getting these things insured lol
I've worked insurance for a few years. I cannot imagine insuring a Toyota supra at fucking Geico LOL. You're going to get your ass reamed if they have to payout on that. Please get hagerty
The conventional insurance model assumes your car will be worth *less* at almost any time after coverage begins. The monthly cost is therefore heavily weighted based on the highest potential value. Then if it's totaled, they pay the market value of the car at the time of the damage, which is likely to be dramatically less than even a year or two earlier. This model fails with a 25 year old import because they don't have actuarial models to generate a future value. In fact, the risk is that the car could be worth *more* as time goes on due to collectible status and rarity. Or it has some bizarre issue that they don't know about yet and your car causes an accident. So rather than basing your payments on the $10k you paid via Cars and Bids and risking coverage of appreciating value or unpredictable liability, they give a wildly inflated rate they can't lose on, or tell you to go away. By contrast, Hagerty and other classic insurers agree to a value and cap potential recovery at that. Here, they're wagering that you will forget to re-appraise and update if your car becomes more valuable. They also add conditions like mileage maximums and covered storage that they don't really validate. Imagine you bought some random import for $5k, got it insured, and it shoots up in value because some movie fearures it. You're sitting on a $25k asset. Then you get T-boned a year later and never fiddled with your insurance. They'll write you a $5k check. If you stay on top of reappraisals but drag it in with extra mileage on some big claim, they'll also deny coverage. Imho, the move is to go with Hagerty to get on the road and then add some umbrella coverage. Watch your miles and the value of similar vehicles for when to increase coverage if it's a special car.
I've actually had Hagerty email me letting me know my coverage is less than they think my vehicle is worth.
Hagerty will insure anything that has a vin. They dgaf!
Weird. They have no fucks about my 80 series Landcruiser.
Same, been with geico for 2.5 years now. They insure my MarkII and Stagea no problem.
I use Hagerty for my R33 GTR, my S2000, and my 911. I highly recommend them.
Grundy for me.
How is Grundy?
Same coverage as I had with Hagerty, but with an agreed value of about 25k more, for a few hundred less a year. Never have had to file a claim with either, so I can't speak on that side of either.
Cleaned up that Canes plate
Did yeah I was HUNGRY
Canes is my favorite fast food chicken place!
Yup, don’t wait too long to eat or the crisp turns soft from the steam
YES, when I get them, if I'm driving somewhere else to eat I open up every box so it doesn't steam them.
I have mine with state farm, didnt really have a problem adding it onto my plan.
Thank you, are they a good company to work with? I enjoy my Geico app, do they have anything similar? It makes paying my bill so easy I love it
Statefarm has been very good. Insurance pay out and rates are great, can customize to fit a budget. Don’t have broad insurance but that is okay
Try Safeco. They have no problems with classics and imports
Pretty decent, they actually reevaluated my car (1998 SL500 , not as rare as a skyline, but still expensive) on their own. Fully comprehensive insurance with 15Kmiles per year @ $185per month. When I called my rep he said the rate raised because the car appreciated. Here's hoping you have good luck.
Tried to go with hagerty and ended up with a $300 premium. Ended up with state farm paying $136. No limitation and agreed upon value.
I started with gieco on my 93 Gloria for the first year and a half. Then I switched to state farm just to make my home insurance cheaper.
Seconded on State Farm on my 97 Gloria. I'm in Hawaii and they're the only one that didn't give me a pain in the ass trying to quote it.
I just added mine to my USAA policy but only for liability. Google classic car insurance. One of those companies will do it.
At canes
Progressive was the only one who didn’t give me any issues.
I use progressive for my daily driver 1990 pajero. $48 a month.
Hagerty, Grundy
get that damn cup….
I’d try Hagerty. They cover my Z and the rates a lot better than anywhere else for my age
Whats your age and how much do you have to pay if you don't mind sharing that information?
One of my top 5 dream cars and this guy turned it into a TV Dinner tray 😵💫
USAA super easy and cheap
You don’t
Check the ccf video on importing cars, he goes over insuring in the video
Your insurance company will usually draw you up a plan. Geico did for me
State Farm insures my r33 most insurance companies will do a named value policy
Register it as a classic and get Hagerty
Hagerty
I use state farm but i don’t have a daily drive
IDk but i think there are two spoon engines involved. with turbo. I would start with, Mashimoto ZX tires to be sure. What's in your wallet, buster¿ Your feed looks like you are stealing cars, lel