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Car Forum / Driving, Maintenance, Tuning / Maintenance and Repair / February 2008Cheapest liability insurance for my old 1978 Dodge van.
My next liability payment ($149.00) for the next six months liability insurance for my old 1978 Dodge van is due before midnight of this month before Feb 17.A guy who lives next door to me owns a 1987 Toyota pickup truck.I was talking to him a short while ago.He says he pays GMAC $100.00 each six months for liability insurance for his truck.I think I need to look in my phone book and call GMAC.I used to have liability insurance through Audubon, I was paying about $144.00 each year, but Audubon stopped handling this state.I want to find the cheapest liability insurance I can, my old van isn't worth more than that.I hardly ever drive it anywhere anyway. cuhulin > My next liability payment ($149.00) for the next six months liability > insurance for my old 1978 Dodge van is due before midnight of this month [quoted text clipped - 7 lines] > hardly ever drive it anywhere anyway. > cuhulin I checked out AARPs Hartford offer, and it was better than my local agent by far, (for both liability and collision). You might want to check one of these online insurance brokerages and see if they can help. > My next liability payment ($149.00) for the next six months liability > insurance for my old 1978 Dodge van is due before midnight of this month [quoted text clipped - 7 lines] > hardly ever drive it anywhere anyway. > cuhulin Meaningless numbers without knowing the policy limits. > > My next liability payment ($149.00) for the next six months liability > > insurance for my old 1978 Dodge van is due before midnight of this month [quoted text clipped - 9 lines] > > Meaningless numbers without knowing the policy limits. Yes, meaningless for comparisons. Cheapest will of course be the state minimum coverage level, and the OP needs to realize that the value of his vehicle has nothing to do with it since he is talking about liability insurance, not comprehensive. Higher than minimum liability coverage limits typically don't cost much more in premiums and are better if the OP has assets to protect, though if the OP is driving a 1978 van that may not be an issue. >My next liability payment ($149.00) for the next six months liability >insurance for my old 1978 Dodge van is due before midnight of this month [quoted text clipped - 7 lines] >hardly ever drive it anywhere anyway. >cuhulin Since you are a veteran, you should qualify for very good insurance through USAA. Their liability coverage is cheap and their claims folks are good. --scott  Signature"C'est un Nagra. C'est suisse, et tres, tres precis." > My next liability payment ($149.00) for the next six months liability > insurance for my old 1978 Dodge van is due before midnight of this month [quoted text clipped - 7 lines] > hardly ever drive it anywhere anyway. > cuhulin If you have no accidents and no tickets, try GEICO for a low online quote. I pay $106 for six months of coverage with the minimum limits of liability policy on a 1989 Chevy. Corsica >>My next liability payment ($149.00) for the next six months liability >>insurance for my old 1978 Dodge van is due before midnight of this month [quoted text clipped - 11 lines] > pay $106 for six months of coverage with the minimum limits of liability > policy on a 1989 Chevy. Corsica GEICO is evil. nate Signaturereplace "roosters" with "cox" to reply. http://members.cox.net/njnagel > GEICO is evil. But they have that cute gecko in their ads... (I hated the caveman though.) SignatureTegger >>GEICO is evil. > > But they have that cute gecko in their ads... > > (I hated the caveman though.) You gotta wonder how they have any money at all to pay out claims, what with the blanket advertising and the radar guns and all. SWMBO has USAA and is very happy; I pay a little more with State Farm because they have better rates for vintage vehicles than any non-specialty company. nate Signaturereplace "roosters" with "cox" to reply. http://members.cox.net/njnagel >> GEICO is evil. > >But they have that cute gecko in their ads... > >(I hated the caveman though.) I had an insurance policy with GEICO many decades ago, and they were fine until it came time to make a CLAIM, at which time they treated me like I was garbage. They made me wait weeks for a $400 payout. I ended up going to their offices, and refusing to leave without a check. Sign up with GEICO at your own peril. Nick A few years ago, I phoned that Geico toll free number.The guy on the phone quoted a price of about four times what I am paying now.I will check out that USAA thing in the morning.Maybe I can find their toll free number (if they have one) online. That is another thing I like about old vehicles.Low insurance rates and I have a Vintage Truck license plate on my van, I bought that plate when my van turned 25 years old.I don't ever have to buy anymore license plates or a new decal sticker for the plate every year.Old vehicles are money savers. cuhulin > A few years ago, I phoned that Geico toll free number.The guy on the > phone quoted a price of about four times what I am paying now.I will [quoted text clipped - 6 lines] > plates or a new decal sticker for the plate every year.Old vehicles are > money savers. In Illinois the AV (antique vehicle plates, car needs to be 25yrs old) are supposed to be restricted use for parades and taking the vehicle for service. I see people abusing these all the time. I see them used on daily drivers and sunday drivers as people go do various errands... doesn't seem to be enforced. However if I got one for my '73 to save some money I know I would get pulled over the first time I took the car out. >>A few years ago, I phoned that Geico toll free number.The guy on the >>phone quoted a price of about four times what I am paying now.I will [quoted text clipped - 13 lines] > to be enforced. However if I got one for my '73 to save some money > I know I would get pulled over the first time I took the car out. My dad chose not to get antique plates for his pickup for this very reason. nate Signaturereplace "roosters" with "cox" to reply. http://members.cox.net/njnagel On a whim, I called Geico for a rate and as soon as I told them I had USAA, they were unable to give me a direct answer on a rate. Their never ending stream of junk mail precludes me from using them as well. USAA has been great for 25 years. Andy >A few years ago, I phoned that Geico toll free number.The guy on the > phone quoted a price of about four times what I am paying now.I will [quoted text clipped - 7 lines] > money savers. > cuhulin >> My next liability payment ($149.00) for the next six months liability >> insurance for my old 1978 Dodge van is due before midnight of this month [quoted text clipped - 11 lines] >pay $106 for six months of coverage with the minimum limits of liability >policy on a 1989 Chevy. Corsica I went thru the insurance quoting game a few months back. I had State Farm for 36 years but, felt as though I was getting fidded after getting a couple of quotes. Since there are few carriers who wil cover my homeowners because of a fire house that is 0.1 miles too far away, I had to look for some sort of wide coverage. I ended up cutting my annual combined insurance bill by about 65% by putting all of it with Allstate of all companies. Progressive was the next best cost and they now have my motorcycle. The Allstate agent has offered to include full motorcycle coverage for less than $100 per year added to the package which is only $22/yr more than Progressive for liability alone. The bottom line is that it is possible to save some big bucks by shopping around online for insurance along with shopping your local agents just to keep everyone honest. You may be surprised by how competitive some will be since they do have some flexibility on the commission side. As always, you do need to read the coverage carefully. My old coverage with State Farm included 100% glass damage. If my windshield was damaged beyond use by a stone on the freeway, it was covered 100%. The replacement coverage did not have that. I was able to get the coverage included for less than $5/year. You can get what you need if you are willing to read and deal a bit. Make sure you have the coverage you need and nothing you don't. Lugnut Progressive is the company which handles my liability insurance for my old van.My liability insurance runs out at the stroke of midnight just before Sunday morning.(kind of cool how they work it like that, no grace period on Sunday) The local office is about four miles from me.They are closed on weekends.I guess I might as well drive on over there and write a check.The next liability insurance (after I pay for it today) bill will be due by August 17,2008.(stroke of midnight)That will give me six more months to look around for something cheaper.If I had an enclosed garage, I think I could maybe get a much cheaper rate from J.C.Taylor insurance company.They handle insurance for classic and vintage vehicles.They require a photo of such vehicles and enclosed garages for vehicles.I can't enclose my house's attatched carport because the electric meter is on the wall of my house inside of the carport. cuhulin I believe you are 'really' confused by your coverage. They don't care one way or the other what kind of 'classic' car you have because they are 'NOT' insuring 'it'. They are giving you insurance to cover the 'OTHER' car in case you hit someone. That is called Liability insurance. You can go drive into a post and they don't care about the condition of your van, they 'will' pay for a new post though... To have coverage for 'your' van, you need what is called Collision insurance. Then your van is covered for damages if 'you' hit something. You need an appraisal for your van for 'comprehensive' coverage or 'fire and theft' and for the situation of 'you' getting hit. Without the appraisal, you get 'book' value for it if hit or stolen or burned or likely less than $500.00. I know this because I have a 1986 Jeep CJ7. Book value less than $1000.00, real value over $12,000.00. Mike 86/00 CJ7 Laredo, 33x9.5 BFG Muds, 'glass nose to tail in '00 'New' frame in the works for '08. Some Canadian Bush Trip and Build Photos: http://mikeromainjeeptrips.shutterfly.com > Progressive is the company which handles my liability insurance for my > old van.My liability insurance runs out at the stroke of midnight just [quoted text clipped - 11 lines] > cuhulin > > I believe you are 'really' confused by your coverage. > [quoted text clipped - 17 lines] > I know this because I have a 1986 Jeep CJ7. Book value less than > $1000.00, real value over $12,000.00. Very true. On a related note, the property tax you pay on a vehicle will be based on the book value as well, and if you have a condition that would lower that value, such as high mileage, you can note that to the tax folks and save some money there. I did that with my previous vehicle and saved like $50 in taxes with no more effort than stopping by the tax office for a few minutes. > Very true. > [quoted text clipped - 4 lines] > like $50 in taxes with no more effort than stopping by the tax office > for a few minutes. We don't pay property tax for vehicles here in Texas, AFAIK. At least not in this part of the state. If you have a classic, and parts/labor are likely to be exorbitant, you will have to get special insurance if you want "collision/comprehensive". Cuhulin is not the owner of such a car. The driver's record is an important part of the equation, for liability.. In my case, my provider (Beacon) gave me a special deal if I would take car insurance and house insurance from them in a bundle. AARP's Hartford had better car rates, perhaps, but refused to insure our 80 year old house as they feared electrical might not be up to standard and because we have a fireplace/chimney, even though it is not used. Therefore, we went with Beacon as it was a better overall deal. I did not even insure my 97' Dodge van for collision and comprehensive. It is only worth maybe $3000-3500, and the insurance is beginning to be prohibitive.. Cuhulin, if you want a good van, take a look at mine. It could be for sale, but I wont give it away. > > Very true. > > [quoted text clipped - 7 lines] > We don't pay property tax for vehicles here in Texas, AFAIK. At least not > in this part of the state. Right, but many other states do. My comment was a reminder for those in such states, that they can potentially save a bit if their vehicle is worth less than the base blue book value. > If you have a classic, and parts/labor are likely to be exorbitant, you will > have to [quoted text clipped - 10 lines] > 80 year old house as they feared electrical might not be up to standard and > because we have a fireplace/chimney, even though it is not used. Some companies are really strange in what panics them, and it doesn't seem to be consistent between companies. > Therefore, we went with Beacon as it was a better overall deal. > > I did not even insure my 97' Dodge van for collision and comprehensive. > It is only worth maybe $3000-3500, and the insurance is beginning to be > prohibitive.. Right, at some point the payout you'd get for damage to the vehicle would barely be above the deductible. > Cuhulin, if you want a good van, take a look at mine. It could be for > sale, > but I wont give it away. I hope it has a hand crank and spoked wheels, otherwise you're not likely to make a sale to this guy. Toyota MDT in MO My 1914 Model T Ford car has a hand crank and wood spoke wheels.The old engine starts up real easy too.I get the engine running and shut it off, if one of the pistons is near the top and still has some gas in it, all I have to do is turn the key again and the engine starts right on up.I can set the spark advance lever a certain way and kick one of the front tires and the engine will start up, if the engine is still warm. cuhulin >> I believe you are 'really' confused by your coverage. >> [quoted text clipped - 26 lines] >like $50 in taxes with no more effort than stopping by the tax office >for a few minutes. You may be able to get a reduction in valuation for taxes based on vehicle condition where you are but, here in GA, they use the highest NADA valuation for your line of vehicle regardless of equipment, condition or mileage - keeps the ad valorem taxes higher that way. Lugnut > I believe you are 'really' confused by your coverage. > [quoted text clipped - 38 lines] >> cuhulin >> The big thing is also to look at what is actually covered. Most of the "Classic or vintage" coverage out there does NOT cover normal use of the vehicle. It only covers you if you are in a covered event (parade,show and such) NOT daily driving. Most also have a mileage cap and "sunny day" terms as well. get caught driving outside the limits of the policy and not only will they drop you but the police can get you for driving without insurance. And if it happens that you are involved in an accident and are outside the policy limits,I hope you have a REALLY good lawyer and lot's of money. Another item to be aware of is that the vehicles age and type also have a big impact on the price of the insurance. As does your location and the accident numbers for your city/county. SignatureSteve W. Near Cooperstown, New York Life is not like a box of chocolates it's more like a jar of jalapenos- what you do today could burn your a.s tomorrow! >The big thing is also to look at what is actually covered. Most of the >"Classic or vintage" coverage out there does NOT cover normal use of the [quoted text clipped - 5 lines] >accident and are outside the policy limits,I hope you have a REALLY good >lawyer and lot's of money. T'is true that you are only supposed to drive for events or to the mechanics or whatever with the collector insurance. Luckily in my area there is something going on every day just about so if I got in to an accident I could just say I was going there or say I was going to the mechanic or something. I know a couple of people covered by Taylor who have had claims and no questions were ever asked BUT they didn't hit a bus full of pregnant nuns either. Steve B. I know the difference between liability, comprehensive, full coverage, etc. I don't know how much more comprehensive would add to the $149.00 liability insurance which I paid for today for my 1978 Dodge van.Maybe next week I will phone their office and ask about that.I have insurance for my old made in 1947 house, I might phone that insurance company too. I own a 1914 Model T Ford Runabout Roadster car I bought in November 1971 for $1,800.I bought the car from a guy in Sioux Falls,South Dakota, he and his wife were moving to Minneapolis, they couldn't take the car with them.My old T Model Ford sits in my big old shed in my back yard.I guess I ought to buy some insurance for the car.I also own a 1948 Willys Jeep I bought for $300.00 from a guy who lives in a litle town about fifteen miles from me.The Jeep is worn out, it was worn out when I bought it, I might get around to working on it somday.The guy I bought the Jeep from said the engine has two burnt valves.I can buy parts from www.jeepoc.com and similar places that deal with old Jeeps.And I own a made in Germany Hercules 1961 Moped with sixteen original miles on it, the moped has bicycle wheels on it, but I have gotten way too fat over the years for my moped.I don't think anybody would want to steal my Jeep, The tires are badly dryrotted and one of them won't hold air.my Moped has dryrotted flat tires, the transmission cover gasket leaks.It would be hard for anybody to steal my T Model Ford because I have the wheels and radiator and fenders and lights and the carbide generator and windshield and the turtle deck trunk and some other parts stored in my house and I am always here 99 point 99 percent of the time. cuhulin >I know the difference between liability, comprehensive, full coverage, > etc. > I don't know how much more comprehensive would add to the $149.00 > liability insurance which I paid for today for my 1978 Dodge van.Maybe > next week I will phone their office and ask about that.I have insurance > for my old made in 1947 house, I might phone that insurance company too. Cuhulin, a point which I approached, but probably did not make very well, is that you can often bundle car and home insurance together with the same company and get a good discount. That is what I did. > I think I could maybe get a much cheaper rate from J.C.Taylor > insurance company.They handle insurance for classic and vintage > vehicles. IOWs, collector car insurance. From what you describe, yours wouldn't qualify. I have J.C. Taylor insurance for my 'cuda and am familiar with what they cover and what they exclude. >Progressive is the company which handles my liability insurance for my >old van.My liability insurance runs out at the stroke of midnight just [quoted text clipped - 11 lines] >cuhulin > JC Taylor requires that you have another car with equal or better coverage covered by another insurance agency. Steve B. cuhulin@webtv.net wrote in news:16750-47B4B21C-46@storefull- 3254.bay.webtv.net: > My next liability payment ($149.00) for the next six months liability > insurance for my old 1978 Dodge van is due before midnight of this month [quoted text clipped - 7 lines] > hardly ever drive it anywhere anyway. > cuhulin Uhhhh you know lib.ins has nothing to do with the value of the van? It is to protect the "other" guy when you nail him, your falt. KB SignatureTHUNDERSNAKE #9 Protect your rights or "Lose" them The 2nd Admendment guarantees the others |
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