Insurance
 

Just curious....

Do you guys drive around with just liability insurance or do you carry full coverage on your first gens?

Full coverage. It is better to get a collector policy, because in the event of an accident it can be difficult to collect the full value from a regular policy.

I would wager that the collector's type policy is cheaper since it implies that you don't use your vehicle for regular commuting.

I'd love to have full coverage but it's 216.00 a month on my sa . Whereas liability is only 15.00...... go figure ?!

liability, not worth it to pay greater amount in insurance than the entire value of the car each year imo.

As it is, my liability is the same price I paid for my 7........rape is what i call it

I don't have liability, but i don't have full coverage and i pay 75 bucks a month.

[19 years old, still in my first year of having my own insurance on my own.]

You mean you do have liablity? It's the basic thing that protects you from lawsuit.

I've got the FB wrapped in gold foil, practically, the Tracer is normal. $80/month for the both.

i hate you all my liability is 1300/vehicle/year and i am accident free.

I didn't mean to hit a nerve with some of you guys but you can tell who the younger RX-7 owners are and who are the older guys.

To you younger guys, keep that policy in force. Shop around at renewal time. Companies will often times give a discount for moving your business from your current company to the new one. It only works if you keep the policy going.

Invest in your future, try not to get any tickets!!! Companies usually charge a certain percentage for violations. The higher your premium the more those violations will affect your payments.

If your SA is not a daily driver you might save a significant amount of money and have good insurance levels by considering collector car insurance such as Hagerty.

I just carry liability and uninsured motorist, along with emergency road service, on all my vehicles. $55/month for 3 policies. Sometimes, it pays to be older, and have a spotless record.
I have considered collector coverage for the car, but most companies limit mileage and require the vehicle to be kept in locked garage. I like to drive my car whenever the mood strikes me, and not having to worry about the number of miles I drive per year, is a nice thing.

I'm 25 accident free 1 speeding ticket 7 yrs. ago , and full coverage is 216.00 a month . It was only 60.00 a month for my del sol

Well, here's my coverage: [TN's basic liability is 25,000 person/50,00 per accident]

liability-50k person/ 100k accident
property damage liability - 50k
uninsured motorist bodily-50k/100k
uninsured property-50k
medical payments-10k person

I have full coverage on the LS and PLPD on the Subaru; I pay around 90 per month threw AAA.

I don’t remember the exact coverage… buts its something like this

Liability -100k person/ 100k accident
property damage - 100k
uninsured motorist bodily-50k/100k
medical payments- 100k person

Emergency road side service + 100mi free towing per call :zip:

I have just liability on all my cars, unless you have collectors, or agreed upon value type coverage it's not worth it to have full coverage on these cars, they just won't pay you enough if it gets totalled.
I have 100/300/50 and its about $1800 a year for 3 cars (2 FB's and a 94 Accord)

i pay $205 a year on my FB for liability

PL/PD on my FB: $37/month :)

23, 3 speeding tickets :)

I was quoted at only $30 more per month for liability, comp, underinsured, and roadside with rental car coverage for my pickup and an '85 RX-7 (I don't have the 7 yet though). That puts it at $95/month for a 2000 Ford Ranger 3.0L 4X4 with full coverage and an '85 RX-7 with liability, comp, and stuff...both have full glass too, no charge for fixing chips, $100 replaces any window.

25, no tickets, 3 accidents, only one on public property ;-)