25th Jun 2016, 10:35

I have 3 antiqued. Both Motor Vehicle and a classic insurer like Haggerty have stipulations on this. In my state it's 2500 miles a year max. It must only be used for car shows or cruise nights. Or to a car club meeting. Or a parade. Hauling a truck full of debris in the bed to a dump and then getting in an accident will mean a problem. Off roading or racing is on you. No insurance coverage if you have an accident doing not what's in the coverage. Or worse if you hit someone. You cannot drive to work. You can go out nights in it and park it. No malls etc. Lastly, the collector car insurance will ask where it is actually kept full time. If you tell them it's at an isolated hunting camp with no locked garage, it's not going to go well. It must be in a true locked garage to get this insurance. You have to send 3 pictures of it in its current state of condition. I have all of the above. My other cars and a truck as well are tagged normally. So I can go out nights, go during the week, go to a job, grocery shopping, a game, tow my boat etc. If your motor vehicle sees high mileage, over 2599 year racked on, they could potentially lift the tags. You cannot do any of that with antique exempt tags and collector insurance on it. So you have 2 choices. Or insure normal. Maybe liability will be cheapest with a very high deductible if it were me. But I would recommend full coverage talking to you.

The reason collector car insurance is so low is its strict policy on usage. My cars average 300 year each. But I may up it as they have appreciated every year. Maybe fix it up would be fun. Take it to some cruise nights. I once did up an older large Blazer years ago. A real rust bucket. Had a lift and large tires. I went into the JC Whitney catalog and ordered all kinds of body skins, rockers etc. Went to my relative's shop who showed me how to cut out bad metal and do spot welding. I'd never used body tools, air tools like grinders and sanders etc. Whatever I did couldn't hurt it. It ran well and the interior was fine. In the end we sent it to a shop and painted it black! Worst color to show flaws. It wasn't perfect, but it looked really great. I did tons of block sanding and got it as straight and smooth as possible. I took my time after work. Those parts I ordered were dirt cheap out of that catalog. I knew the metal quality was what you paid for. Not all pieces fit up well; likely restamped parts from overseas. Not all off the original stamp it seemed. The fun part was I learned on that 1200.00 buy, I made a grand on it selling in the dead of winter with a heavy snowfall. Everyone was calling as it was a lifted 4WD V8. I probably actually made nothing if you added my time. My projects since have been on higher end vehicles, but that was a really great learning curve. I even towed a 22 foot I/O boat with a heavy dual axle trailer with that cheap project. I pulled out some bushes in my yard with a chain. Nothing I could have done to the body would have made it any worse. And best was I learned on something cheap vs a high value vehicle. Good luck!