new 911 owner !!
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Joined: Jan 2002
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new 911 owner !!
Folks,
I'm the "new kid on the block". Just bought an '88 911 coupe. real exciting.
questions: The best insurance company for these cars? Second, I don't have a garage so I need to know about quality car covers.
Thanks in advance
Steve
I'm the "new kid on the block". Just bought an '88 911 coupe. real exciting.
questions: The best insurance company for these cars? Second, I don't have a garage so I need to know about quality car covers.
Thanks in advance
Steve
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Joined: Aug 2001
Posts: 86
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From: Newman, California
Leland-West is the cheapest insurance I have found. However, you just excluded yourself by not being able to garage it. Also, there is a 5000 miles annual mileage limit. Lot's of gyrations if you have teens in the house. They sign a statement indicating they are excluded and know the ramifications of driving the vehicle should there be a claim. I am trying it this year, don't know if I will be able to keep it under 5000 miles.
I have heard the State Farm is reasonable.
I have heard the State Farm is reasonable.
Escapee
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Joined: Jun 2001
Posts: 2,689
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From: No fixed address...
BEWARE of cheap insurance!!! Cheap insurance = Poor coverage in the event of a claim. State farm makes a career out of avoiding responsibility. They will only pay to make it "appear" to be fixed. My advice: get a private broker who you can crap on if you aren't satisfied with the claim.
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Joined: Jun 2001
Posts: 497
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From: Severna Park, MD
I use State Farm and think the key is to be up front with your agent. I described my car to him and right away he asked me for pictures and receipts of the work that's been done. He said many times a guys in a similar sitation have a loss and have no proof of what their car was before the loss. Imagine trying to argue your perfect paint job when your car was stolen and torched.
A 20 yr old Porsche might not be worth anything to some, but to others there really is no replacement value. Plus, it gave me a chance to take a few nice pics of the car.
Best of luck
Chris
A 20 yr old Porsche might not be worth anything to some, but to others there really is no replacement value. Plus, it gave me a chance to take a few nice pics of the car.
Best of luck
Chris
Escapee
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Joined: Jun 2001
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From: No fixed address...
State Farm is crap (at least in Canada). I learned the hard way. Lucky for me, it wasn't my Porsche. It was a claim on my wifes old POS which was hit from behind on an icy road. State Farm refused to cover anything except a cheesy patch'N'paint. They are big on service WRT the sales aspect (big promises) but short on the claims side. You get what you pay for. 
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Pro
Joined: Aug 2001
Posts: 700
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From: Kent, CT
Steve, Congrats on the new aquisition!!!! Insurance varies state to state so my advice is to find a company that has a local office, then you can deal with a person when you have a problem instead of doing things over the phone. As far as covers go, Get one that's got a soft layer on the insideto protect your paint. If it's windy where you live a plain plastic one will chafe your paint.
James
James
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Advanced
Joined: Jul 2001
Posts: 51
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From: atlanta
Steve- to go a little further on insurance: Agreed, you get what you pay for! I insured my 85 w/ my current ins. carrier and was happy w/ the price-about $500.00 per year, I'm 30, married, 1 ticket. Then, i read the policy which said "actual cash value minus $250.00 ded.". Hmmm...actual cash value? What does that mean? About $11,000.00! No, No, No!! I had the PCA send me a "valuation" report on my vehicle, took several pictures in and around the car including odometer (39,000 miles at the time). Submitted these to ins. co. and said "I want agreed value insurance!" no problem, BUT, my rate is now twice that $500.00. AS LONG AS your policy has an agreed amount should you sustain a total loss-you will be covered! BTW: My car is now covered for $28,750.00 on a total loss, so I feal comfortable. Just get all your ducks...you'll be fine with your currnet ins.
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Joined: Jun 2001
Posts: 170
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From: Arlington, VA
Steve,
Congratulations on the car. If you haven't already done so, join PCA. It will be the best $40 you spend this year.
I have had State Farm insurance for 10 years now and have been very happy with their service. Never a complaint and I have guarenteed renewal and rates (so long as I keep my license). Having said that, as soon as I bought my 911, I had a PCA valuation done and asked the shop which did my pre-purchase inspection write a condition report ("this car is in better shape than x% of similar cars we see here") as this validates the PCA report. Put both on file with your insurance company AFTER they insure you. Once you are insured, keep all records associated with the car. If they ever try to pull some depretiation crap on you, you can show them that you maintain the car in mint condition (assuming you do).
To keep the paint in good condition, check out a custom fit car cover made of Noah fabric. It is water resistant and breathable plus it is quilted a bit so it will protect against flying debris when the wind picks up or in case it hails.
I hope that helps.
Congratulations on the car. If you haven't already done so, join PCA. It will be the best $40 you spend this year.
I have had State Farm insurance for 10 years now and have been very happy with their service. Never a complaint and I have guarenteed renewal and rates (so long as I keep my license). Having said that, as soon as I bought my 911, I had a PCA valuation done and asked the shop which did my pre-purchase inspection write a condition report ("this car is in better shape than x% of similar cars we see here") as this validates the PCA report. Put both on file with your insurance company AFTER they insure you. Once you are insured, keep all records associated with the car. If they ever try to pull some depretiation crap on you, you can show them that you maintain the car in mint condition (assuming you do).
To keep the paint in good condition, check out a custom fit car cover made of Noah fabric. It is water resistant and breathable plus it is quilted a bit so it will protect against flying debris when the wind picks up or in case it hails.
I hope that helps.