HICKS

Hello to all. Im trying to insure my 1986 944 as a antique/collector car. My agent agreed that it was, but when the policy was sent to a underwriter they said the car was not a antique/collector car, so now I have to prove it. I found the production numbers for the car, is there any other way to prove that is it? What do you guys think? Links to information would be great, as I can forward them along to her. Thanks! Chris

mck911

It depends on the State, I believe. Here in FL the car must be 25 years old to be considered an antique. I have no idea how the "collector" car thing works. Is your 944 a special car or are you simply trying to get better rates?

krystar

antique car plate. 25 years or older. i just applied for mine.

krystar

also remember that if u get antique status, yer only supposed to drive it to car shows, to the mechanic, and not much else. shouldn't be commuting in it.

racer

The 944 was not built in limited enough numbers to truly qualify as a "collector" car in the common use of the word. A 924 Carerra GT could be a collector car

Check with state DMV rules. Some states are tiered.. Classic, Collector, Antique etc. As Krystar mentions, if insured as Classic/Antique, there are usually mileage and use restrictions to consider.

If you are looking to use "collector/antique/classic" insurance, you may want to consider a firm like Leyland West, Hagerty etc that specialize in policies for these types of cars.

CPR

I thought "collector" car rates were HIGHER....

KuHL 951

You will find that collector car insurance rates are about 2/3 less than conventional insurance but don't allow you much flexibility as far as driving. What you will also find out is most policies allow only about 2000 miles a year max or the rate increases sharply. I had it on my 951, $280/yr full coverage, and it was great because it was a hobby car for me. If you ever DE or track the car all terms are void.

Giantviper

I do not know about your state but in NJ you need to get a letter from an "authority" source like a car dealer stating that the car is a collector or classic car.

Maybe if you do that it could help.

944Ross

There is no requirement that anyone "judge" whether a car is worthy; hell, there are people who collect old Nashes. There were millions of Model T's made, yet they are collectible.

Here's the Colorado statuatory requirement:
42-12-101. Definitions.


As used in this article, unless the context otherwise requires:

(1) "Collector" means an individual or person who is:

(a) The owner of one or more vehicles of historic or special interest who collects, purchases, acquires, trades, or disposes of these vehicles or parts thereof for such owner's use in order to preserve, restore, and maintain a vehicle for hobby purposes or use; or

(b) A bona fide member of a national automobile club or association whose charter recognizes in membership a sincere demonstration of interest in the history of automotive engineering, in the preservation of antique, vintage, or special interest motor vehicles, in a sharing of knowledge and experience with other automotive enthusiasts, or in the promotion of good fellowship among such members or collectors.

(2) "Collector's item" means a motor vehicle, including a truck or truck tractor, that is of:

(a) (I) Model year 1975 or earlier; or

(II) Model year 1976 or later that was registered as a collector's item prior to September 1, 2009; except that a vehicle so registered shall not be eligible for registration as a collector's item upon sale or transfer to a new owner. This paragraph (a) is effective September 1, 2009.

(b) and (c) (Deleted by amendment, L. 97, p. 358, § 1, effective July 1, 1997.)

(3) "Parts car" means a motor vehicle, generally in nonoperable condition, which is owned by a collector to furnish or to supply parts that are usually nonobtainable from normal sources, thus enabling a collector or other collectors to preserve, restore, complete, and maintain a vehicle of historic or special interest.

Source: L. 94: Entire title amended with relocations, p. 2511, § 1, effective January 1, 1995. L. 97: (2) amended, p. 358, § 1, effective July 1; IP(2) amended, p. 1072, § 1, effective January 1, 1998. L. 2009: IP(2) and (2)(a) amended, (SB 09-003), ch. 322, p. 1720, § 7, effective June 1.

Editor's note: (1) This section was formerly numbered as § 42-15-101 and the former § 42-12-101 was relocated to § 42-10-101.

(2) Amendments to the introductory portion to subsection (2) by Senate Bill 97-35 and Senate Bill 97-89 are harmonized, effective January 1, 1998.

(3) Section 10 of chapter 322, Session Laws of Colorado 2009, provides that the act amending the introductory portion to subsection (2) and subsection (2)(a) applies to motor vehicles registered as collector's items on or after June 1, 2009.

DANNiE

Its 30 years... to get the Antique tag in FL... The old "collectible" plate used to be issued after 20 years but FL did away with them...

Some insurance companies dont consider a car collectible or antique until 30 or 40 years; your car us is only 23...

Good luck getting insured as a antique... i couldnt even get my 66 chrysler 300 insured as antique/colletible cause i dont have a garage...

Van

I have New York "historic" plates on my 914. Insurance cost the same. Registration cost the same. In fact, I have to renew the registration every year, as opposed to every 2 years like my regular vehicles.

racer

Clearly there are two concerns here:

1) State by State rules about registering and plating a vehicle. Some states have special plates for older cars. States may also restrict how a vehicle is used, if you have another vehicle, if the vehicle is garaged etc.

2) Acceptable insurance / type of insurance coverage. Companies and their policies vary on what constitutes a certain type of car (collector, daily driver etc) that they will insure.

HICKS

Thanks for all the info! Nope, the car isnt special. The car is not a daily driver, just a every now and then car, so the mileage cap isnt a big deal. The difference between collector car, vs. regular full coverage is the insurence company will pay an agreed value that we set, not just the market value. The company doesnt require a state collector/antique tag, for the collector insurence. Age doesnt seem to matter, as they have newer cars with the same policy. The policy also states that the car can be used other than shows, mechanic, parades and what not. The issue isnt with the agent, its the underwriter. He came back to the agent and told her that the 944 isnt a collector car. No other reason, thats all he said. It's really frustrating, that's why we're trying to prove him wrong. If not, it's really not that big of a deal, Im just trying to save money where I can. Thanks again for all the feedback!

DANNiE

1986 - 10901 Produced = Not Collectible Enough
If turbo 7513 produced the most turbos made for US in any year = Not collectible enough

Im betting if you had a year that had much less production #'s that you could get it classified as "Collectible"... Maybe if you had a low production turbo year or an S or S2 it would qualify...

944Ross

I'd guess the underwriter is looking to only insure really high-dollar cars, which are by their nature owned by rich folks. Those people are much less concerned with rates.