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Old 01-04-2013, 10:00 PM   #1 (permalink)
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Default Daily drivers?

Anyone out there besides me like to drive the classics daily? I'm looking into another 69 Mach1 and finding it's impossible to get good insurance on it. (stated value) What do other daily drivers do? Thanks guys.

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Old 01-04-2013, 10:49 PM   #2 (permalink)
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Originally Posted by Ringo View Post
Anyone out there besides me like to drive the classics daily? I'm looking into another 69 Mach1 and finding it's impossible to get good insurance on it. (stated value) What do other daily drivers do? Thanks guys.
I drive my 65 Falcon Sprint daily when it is not raining. I am using State Farm but i am going to look at Hagerty and some of the other companies.
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Old 01-04-2013, 11:26 PM   #3 (permalink)
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Hagerty was the best deal I could find but you have to show another car as your daily driver.
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Old 01-04-2013, 11:45 PM   #4 (permalink)
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Default DD's

Obviously, with over 369,000 miles on the 64, it's been a DD for a long time. The new 69 convert has almost 1,000 miles in 1 month, where the PO put 25K on it in 25 years! The 65 K even did 1,000 miles in a year before it got parked ready for it's resto. I had a 65 K GT convert awhile back that was a Concours car and still did 10K/ year. If you can't drive 'em, why own them?
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Old 01-05-2013, 12:07 AM   #5 (permalink)
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Ill be driving mine frequently when I get it road worthy. It won't be daily but I will drive it as much as possible.
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Old 01-05-2013, 06:37 AM   #6 (permalink)
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I drive mine dailyas long as the weather isn't too bad and the car isn't acting up. I have USAA for insurance.
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Old 01-05-2013, 08:24 AM   #7 (permalink)
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I have Haggerty Insurance. Here in Mississippi I have no issues driving unless we are getting the torrential rains. I tend to take the truck on those days.

Soon we'll be making our way from the warm Coast of MS to the cold dark frozen tundra of New Hampshire. My driving will be much less up there as the winters are long, cold, and filled with snow, salt, sand, etc.

What am I moving anyway
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Old 01-05-2013, 08:42 AM   #8 (permalink)
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If you are using the car as your primary you won't qualify for Collectors insurance. Even a "New" car is going to depreciate quickly. I don't think you'll get a good agreed value on the car as a DD from anyone. What kind of values are they allowing you now?
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Old 01-05-2013, 09:28 AM   #9 (permalink)
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There is a difference between driving your car every day, and a "Daily driver," which most people (and insurance companies) think of as a car used to commute to work, run errands, take the kids to school.... that sort of thing: your primary (or only) vehicle.

In nice weather, I like to drive my Vert every day but that doesn't make it a 'daily driver.'

I have American Classic and they didn't blink at $20k for my 68 convertible. Automatically goes up a little bit each quarter.
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Old 01-05-2013, 10:17 AM   #10 (permalink)
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The Mach1 I'm looking at is going to be a fresh car, and I'll have to finance to pay the $30k for it. The lender wants stated value on the car, but the insurance company doesn't want to give a decent rate (or even insure) on a stated value daily driven car. I hate insurance companies!
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Old 01-05-2013, 10:25 AM   #11 (permalink)
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I have usaa and plan to drive minr unless their is snow.
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Old 01-05-2013, 10:34 AM   #12 (permalink)
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67 Mustang, Grundy ins. --John--Las Vegas.
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Old 01-05-2013, 11:05 AM   #13 (permalink)
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Mine is a genuine, day-in day-out daily driver. My wife has the family truckster, but the '66 is my only car. Drove it to work yesterday in sleet and rain. I have State Farm.

I'm a big proponent of the "why own it if you can't drive it" crowd!
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Old 01-05-2013, 11:29 AM   #14 (permalink)
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I daily drove 65/66 mustangs from 1980 until 1993 when I moved from Louisiana to Colorado. There is too much snow and ice on the roads here in the winter for me to daily drive anymore so I insure my "toys" with hagerty and daily drive an AWD '05 Rav 4 now.

Most insurance companies frown on stated value classics as daily drivers, they will insure them at "bluebook" but that is usually pennies on the dollar of what the car is worth. Hagerty does stated value but not for daily drivers.

Someone else mentioned Grundy and they might be worth looking into.
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Old 01-05-2013, 12:09 PM   #15 (permalink)
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Quote:
Originally Posted by Dan66 View Post
Mine is a genuine, day-in day-out daily driver. My wife has the family truckster, but the '66 is my only car. Drove it to work yesterday in sleet and rain. I have State Farm.

I'm a big proponent of the "why own it if you can't drive it" crowd!
You might want to contact State Farm about that and make sure your really covered to use it as a daily. My girlfriend and I have our DD and house under State Farm so when looking for ins. for the 69 I went to them first and they told me the car had to be fully restored and driven less than like 3k miles a year. They also told me that since my car wasn't fully restored that I wasn't elidgable for a state of value policy. Just for fun I asked how much my running and VERY close to driveable 69 SPORTSROOF was worth and they gave me some rediculously low offer like $700. I just laughed and walked out of their office as I told them, "you can't even buy a decent 69 Sportroof parts car for that much!"
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