New Guy Insurance Question

number6jr

Gear Grinder
Jun 29, 2010
18
East of Flint, MI
Willys Model
Willys Year:
How do you have your Willy's insured? I first tried Hagerty (the ads on the BarrettJackson auction coverage worked), but they insist on no daily driving, no towing, no hauling, and no off-road. Grundy, American Collectors, Leland West ended up with the same stipulations. I finally just added it as another vehicle on my regular policy with addititional equipment coverage. Of course this wasn't the low cost option and still isn't covered for off-road, but at least it lets me drive it to work more than "occasionally".

Is this how most of you have yours insured, or am I missing something?

Thanks,
John
 

Eric B

Precision Fit
Nov 27, 2009
841
Colorado Springs, CO
First Name
Eric
Willys Model
Other
Willys Year:
Other
My short term intentions are to put onto regular policy. I have an insurance card at home for collector vehicles that will cover for actual cost of vehicle after restored, I don't know the name now, but I got it from one of our local adjusters that came thru the shop to inspect another vehicle.

Will dig around for it and put the info I have up for ya.
 

Old Willy

Bigger Hammer
Jan 1, 2010
170
Wi.
First Name
Bill
Willys Model
Wagon
Willys Year:
1954
I've used State Farm for many years and have been very happy. No restrictions that I know of. Just took my '67 Fairlane on a 1,000 mile trip. Used the Willys in 4th of July parade and insured it for 2 days.

My polocies are based on stated value. That means you set replacement value of vehicle and premium is based on that. When I park the cars for the winter, all I pay is the comprehensive which covers it for theft or damage during storage. When I want to drive the car, a simple call puts on full coverage so I'm covered on the highway.

I had one accident years ago and they took care of the repairs with no problem and no increase in my premium.

Good Luck,
Old Willy
 

sisu15

Knuckle Buster
Jul 13, 2010
1
Willys Model
Willys Year:
I also have stated value insurance through State Farm. I have had it on my '54 Willys since 1995. No problems, no restrictions, and it's not expensive. The only thing you have to do is provide a reasonable value of your vehicle, to your State Farm agent, so they can create a quote for you.
 

Jeep School

Bigger Hammer
Mar 19, 2010
36
Willys Model
Willys Year:
All good info above. I will add this, since I have significant and persistent experience with this aspect of insurance: by legal and insurance definitions, "offroad" means blasting cross-country. "On-road" means any public thoroughfare, unpaved or not. So, IF you go 4-wheeling, you should be covered by most major insurance carriers if you can provide a road number or name in the event of an accident.

As for "daily driver"--is this the only vehicle you have on the policy? If you have two or more vehicles, you only need one designated as your "daily driver".
 
Top