How much is your insurance? - Vintage Mustang Forums

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post #1 of 13 (permalink) Old 06-01-2004, 09:26 PM Thread Starter
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How much is your insurance including classic? Im going to go to StateFarm tomorrow and ask what it will be for a 16 year old in a 66 Hertz clone.

1966 gt350 hertz clone
1965 289 A code
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post #2 of 13 (permalink) Old 06-01-2004, 09:30 PM
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American family quoted me just over $80 a month for the 65, im 22. That was full coverage and theft for the full appraisal value. I wonder if I should tell them that it has high 300's to low 400's HP and torque at the flywheel .....nawwwwwww, Ill leave that part out

65 coupe- 347, T5 5 speed

No longer:
66 coupe 289 auto- my first car- rust beyond belief
69 coupe 302 auto A/C- bought it to flip
90 GT vert 5 speed
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post #3 of 13 (permalink) Old 06-01-2004, 09:38 PM
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Location: Castro Valley, California
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I just renewed my '67 Mustang insurance through State Farm which includes:

Liability - bodily injury $15k/30k, Property Damage $5k
Medical Payments - $25k
Comprehensive (vehicle replacement value - $12.5k)
Uninsured Motor Vehicle Bodily Injury - $15k/$30k
with, Unisured Motor Vehicle Property Damage.

I pay less than $600.00 per year for this coverage.

Premium price is based on:

Superior Driver Rate Level,
Driven Over 7,500 miles annually,
Principal Driver has 49-58 Years of Driving Experience (funny since I'm only 43 years old ),
and, Pleasure Use or Commuting To and From School or Work.

Granted, the premium is also based on: Multiple Line, Multicar, Driving Safety Record, California Good Driver, and, Loyalty. (We like State Farm, and have many different policies with them including other Automobile, Homeowner's, and Life Insurance policies).

Hmmm . . . 16 years old, huh?? Your rates will vary!::

But I do recommend State Farm, though . . . They've been very good with a few claims we've had over the years . . . paid out promptly, fairly, and without any hassles.



'67 390 GT Coupe

[color:"red"]*Click on the pic for more info about the car and pictures on my website!*[/color]
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post #4 of 13 (permalink) Old 06-01-2004, 10:01 PM
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70 Mach1 covered for 18k and 67 Comet Cyclone covered for 10k. 100/300 liability. $380.00 per years for both cars.
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post #5 of 13 (permalink) Old 06-01-2004, 10:59 PM
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My sons 66 coupe (17 year old) is $120.00 per month for full coverage thru AAA.

Remember maddness takes its toll...Please have exact change

65 Mustang Convertible
I6 to 289 Conversion
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post #6 of 13 (permalink) Old 06-02-2004, 12:50 AM
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Mine is 325.00 per year for full coverage and guarenteed value of 20,000.00.


'65 Mustang 2+2 Fastback 289 V8 (GT350 clone)
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post #7 of 13 (permalink) Old 06-02-2004, 01:39 AM
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and ask what it will be for a 16 year old in a 66 Hertz clone.
Take tranquilizers before you go. You are going to be stunned at what that 16 year old is going to cost you, particularly if the 16 year old is male!

Right now I pay $5,200/year. This is for full "replacement value coverage" on 3 classic Mustangs and comprehensive coverage on our '02 4-Runner. It also includes 2 drivers under the age a 25 (one male, one female), both with an accident on their record, and of course my 2 bogus speeding tickets from a year ago in Citrus Heights.

This also includes uninsured motorist coverage, and my limits are FAR above the anemic minimum required values in California. Also, there are no restrictions at all on mileage of the cars.

This is with USAA. Of the $5200/year, over 3200 of it is for 2 young drivers.

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post #8 of 13 (permalink) Old 06-02-2004, 02:56 AM
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I'm 38 and the car is a 1970. I pay $180 a year full coverage $13,300 if totalled.
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post #9 of 13 (permalink) Old 06-02-2004, 06:25 AM
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$348 a year chrome policy (classic car insurance) on the '69 Mach for $15,000 value with an 18 year old in the house.The beauty of this we found out, is our son still lists as an occasional driver. Since the car is insured this way the houshold is still treated as if we only have 2 cars instead of the 3 we actually have.7,000 mile a year limit which is not a problem.We had to use the policy when the '66 was rearended and totaled everything went smooth as silk with the insurance company on the payout!The '66 was insured for $10,500 and was less $175 a year.Just under $2,100 a year for our three vehicles including safe driver,good student and home insurance discounts.

'66 C-code Fastback (TOTALED) :-(
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post #10 of 13 (permalink) Old 06-02-2004, 08:43 AM
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My 66 with State Farm is $15.01/mo. in winter storage and $40.45/mo. during the summer. Of course, I'm not 16 and I'm married so your rates will be a lot higher. Good luck.


1966 Mustang GT Convertible, A Code, Emberglow, 76B Pony Interior, Styled Steel Wheels, PS,
PT, Rally Pac, Console, Discs: Rotisserie Resto Baby!

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post #11 of 13 (permalink) Old 06-02-2004, 10:02 AM
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I pay about $20 a month through GEICO, of course thats liability only, with a few discounts due to good driving multi-car, married etc. I will be 25 in August. When I was 16 it cost me $80 a month to drive an 83 F-100 with liability only.

1967 Mustang Coupe 351W/4spd
2001 Dodge 2500 QC 4X4 5.9TD/4spd-auto
2012 Jeep Wrangler Sahara 3.6/5spd-auto
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post #12 of 13 (permalink) Old 06-02-2004, 10:22 AM
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I pay about $1,800 a year for SWMBO's and my daily drivers. We're in our 30's, but live in New Jersey. My Mustang would have been about $475 through USAA, but I went through Grundy, have pretty mildly restrictive rules about the car's use, and pay $295 a year for a HUGE stated / replacement value.

16, eh? Expect a pretty stiff premium. The odds (mortality, accidents, speeding tickets) for teenage males with fast cars make insurance companies really twitchy. That's why even NEW Mustangs and other "high performance" cars have stiff insurance premiums. Heck, my 74 year old mother-in-law pays through the nose for her '01 Honda Prelude. Why, becuase it's a "high performance" car. Go figure.

Good luck, by the way. If your quote is anywhere under $1,000 a year, I'd be surprised.

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post #13 of 13 (permalink) Old 06-02-2004, 11:58 AM
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On the Mustang I have American Collectors through USAA. For full coverage, zero deductible, I pay about $150 a year. Keep in mind that most collectors policies limit miles per year, require a locked garage and limit use (won't cover you if stolen from the WalMart parking lot). My son can't drive it at all, any driver has to have 10 years experience.

Probably not the route you are taking but just another example. A 16 year old in a clone? Yikes, that's gotta hurt! Don't go cheap. Get the coverage you need to protect your investment, you and your son. Good luck.

66 Emberglo GT Fastback - A code, Emberglo/Parchment pony interior, auto, AC, PS.
70 Mach I - 351C, Calypso Coral with white interior

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