pichitsideways

what is the best way to insure my 93 right now. Since it is winter time I only keep comprehensive on it, i dont drive it and it stays in my garage. Right now there is a storm and i have lots of really tall trees that could fall on my car. When i bought my car they said the kelly blue book value was 8000 some odd dollars. That is a joke, after looking for four years i found mine. I paid a lot more for this car and it is definatly not an 8000 dollar car. So my main concern is that if one of these 150' tall trees fell on my car, how would i get the true value out of my car? Is there different insurances you guys have used or what. any ideas would be great.



thanks chris

jwteknix

geico will give you mad estimates for itself and other companies

herblenny

Well, how much do you think your car is worth? If you don't drive much per year, then you might consider collectors insurance.



More info: http://www.hagerty.com/



I'll probably get this when my Blk FD is ready.. By that time, I would of spend 20+K and I would be driving maybe 2-3k per year.



Otherwise, there isn't much you could do. Most insurance companies would allow you to add added policy such as stereo for additional cost... but at the end, the car is 13+ years old and they are going to go buy what it retails in a black book.

phinsup

geico is the ****

jwteknix

^+1 they even tell you that they suck sometimes lol

pichitsideways

Hey thanks for the link. that is kinda what i was talking about. as far as value goes not sure i just know that i looked at several well abused 8000 dollar cars over a 4 year period, and mine is not one of them. Here is a pic of what happened last night to my neihbor this is exactly why i posed this question

herblenny

Wow! Thats one hell of a tree!

I worry about that too.. but if trees by my house fell, luckily I would get killed before the cars..

jwteknix

omg thats ******* nuts now i see why your scared for your car i would be too

Signal 2

^I recently looked into this for my FD with that same company through my insurance agent. I can't remember now for sure, either the FD didn't qualify under they're definition of a "collector car", or the mileage was too restrictive.



Regardless, I think with some insurance companies, you can get an "AGREED VALUE". Just what it sounds like, it's a value that both the owner and the insurance company agree to before hand. KBB and the other market value sources are then ignored. Of course the premiums will be factored accordingly, and usually you have to have an independent appraisal (costs vary). And you probably should have it re-appraised every few years (sometimes the insurance companies require it). But at least you'd know.

Signal 2

BTW, to hell with the cars, I hope your neighbors were alright. ???????