I just talked with my insurance company (Progressive) about changing my policy, as I'm getting a daily driver soon, and would like to save some money by cutting back the insurance on the Civic. They don't offer weekend-only coverage or anything though, so I wind up saving no money at all. What I'm shooting for is some kind of policy/company that would insure the car Friday-Sundays, or even for specific weekends when I call ahead of time, as the car wouldn't be driven any other time. I'm not looking for on-track coverage (though that'd be nice of course ), really just for the to- and from-trips. Anyone have any ideas?

 

YES-you can by "agreed value coverage" from one of several carriers. I think Parish-Heacock offers what you need, for example. The deals are not too expensive and are based on what you decide the value of the car is. This along with their rules for driving it on ocassion will determine the rates. I have a friend with a '64 Fairlane insured this way and all he does is use it to go to "cruises." As to on-track oreven in the "hot pits"-FORGET IT-don't even ask if it is a competition event. The coverage I am suggesting is for street use only. It is possible that a DE could be covered, but I suspect the rate would be prohibitive.
Let us know what you learn.

 

I'm curious as to whether or not you've mentioned to Progressive that this same vehicle was going to be driven "on a track", and their response.

 

I did, and they said it absolutely would not be covered on track, though to and from would of course be covered.

 

You ask to have I think the term is "leisure coverage". You are then limited to only so many miles of driving a year. Since it is a track car that should work. It lowers your premium due to less risk by less miles.

Barry H.

 

Somewhat related to that, I think you can get "historic" plates here in Ohio if your car is 10+ years old and you only drive 5k miles a year or something low like that. Once again the reduced usage should help your insurance.

A guy was telling me he did that with his 1991 Spec Miata but I never looked into it as I was driving more miles than that per year.

- Mark

 

I was shooting for the "leisure coverage" type thing, but apparently Progressive doesn't offer that. As for Historic plates, while that would be great, it's 20+ years here in MD, so I have like 7 years to go before I can apply for that

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Markus &raquo;</TD></TR><TR><TD CLASS="quote"> I think you can get "historic" plates here in Ohio if your car is 10+ years old </TD></TR></TABLE>
somehow a 10 year old honda doesn't strike me as "historic"

my brother has show car insurance on his mustang that is at a cheaper rate because of the reduced amount of driving, all he had to do was show proof that he had a seperate daily driver already insured...

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by rollingCULTURE &raquo;</TD></TR><TR><TD CLASS="quote">
somehow a 10 year old honda doesn't strike me as "historic" QUOTE]

i agree. [QUOTE=Markus]Somewhat related to that, I think you can get "historic" plates here in Ohio if your car is 10+ years old</TD></TR></TABLE>

i thoguht it was 20 + years.