Hey guys,
as some of you may know im trying to get my 71 scamp on the road for next spring and it will be a daily driver. I have talked to my agent, and for daily driver insurance, putting about max 10 thousand clicks in 6 months, im looking at about $292 a month...however, I am not guranteed the appraised value for my car if its stolen, and on top of that she said that they dont insure cars that are modified because they become "unsafe" (little does she know that half the stuff im doing to it will be making it safer than stock)...she told me that id be hard pressed to find a company that will insure a modified vehicle...I cant go the classic insurance route because there are all sorts of restrictions on it (my dad has it- cant leave the car anywhere, cant be a daily driver, must be primary on a regular car from another company, must have 10 years experience, and still they are sticklers on mods)...my question is what do you guys think i should do? should i take the daily driver insurance and hope that my car never gets jacked or damaged so that i dont loose money on the appraised value? (although after all the money im dumping into the car, i dont want to lose the value if something happens- these cars should be appreciating, not depreciating) Im only 19 which is why my premiums are so high to begin with, and which gives me the problem of going classic, plus they dont insure daily drivers...I left off with agent telling her i would send her an email of the mods done to my car and she will see what she can do or if she can find another company to insure me with my needs....any advice, any better companies (this is state farm), any other options....im kinda pissed just cuz i want to driver her everywhere, but i want full value if something happens....ill hear anything you guys have to say on this so shoot.
Thanks
Matthew
as some of you may know im trying to get my 71 scamp on the road for next spring and it will be a daily driver. I have talked to my agent, and for daily driver insurance, putting about max 10 thousand clicks in 6 months, im looking at about $292 a month...however, I am not guranteed the appraised value for my car if its stolen, and on top of that she said that they dont insure cars that are modified because they become "unsafe" (little does she know that half the stuff im doing to it will be making it safer than stock)...she told me that id be hard pressed to find a company that will insure a modified vehicle...I cant go the classic insurance route because there are all sorts of restrictions on it (my dad has it- cant leave the car anywhere, cant be a daily driver, must be primary on a regular car from another company, must have 10 years experience, and still they are sticklers on mods)...my question is what do you guys think i should do? should i take the daily driver insurance and hope that my car never gets jacked or damaged so that i dont loose money on the appraised value? (although after all the money im dumping into the car, i dont want to lose the value if something happens- these cars should be appreciating, not depreciating) Im only 19 which is why my premiums are so high to begin with, and which gives me the problem of going classic, plus they dont insure daily drivers...I left off with agent telling her i would send her an email of the mods done to my car and she will see what she can do or if she can find another company to insure me with my needs....any advice, any better companies (this is state farm), any other options....im kinda pissed just cuz i want to driver her everywhere, but i want full value if something happens....ill hear anything you guys have to say on this so shoot.
Thanks
Matthew
