Just curious what most of you are doing for insurance. I'm with USAA - bought he 77 FJ for $9K and have dumped $16K into it (new TH350 tranny and a RAMJET 350 motor). USAA won't insure it for more than blue book - I called Hagerty but they don't do off road vehicles ( I should have said I just drive it in parades). Plus PO had installed disks all around, nice warn winch, bead locks.
thanks in advance
M3;
I, also, have USAA.. have since they "opened-up" their service to "Dependents of Officers"..
(back in the '70's)
ALL of my vehicles were (are) "technically" either classic cars or pleasure vehicles. Plus, nothing
is newer than (bought new) 1974 (the Landcruiser).. In '78, I pulled the trashed-out Toyota Six
(that I had done FOUR Valve Jobs on #4 Exhaust in the FIRST eighteen months of ownership!!) In 1978, I
fitted a "bullet proof" 1967 Cadillac 429cid V-8 and a "built" TH400 to handle hauling a 6000lb Travel Trailer..
When it comes to (most) car insurance, one MUST put-up with undercoverage OR "No Coverage"!!
I have some of my cars insured as "Classics" with USAA (like my 1953 Jaguar XK120 DHC at "100 miles
per year) and the rest are listed as "Pleasure Vehicles" like my 1962 Volvo 122S 4dr Sedan (I actually drive it
once a week....maybe!)
Given that I'm "retired", NONE of my cars (about ten) are "to/from work/school! As noted, each are
"pleasure vehicle".. You are "allowed" to drive it them, just NOT "Daily".
These cars are covered with as much or little insurance you are willing to pay for! (liability only, full
coverage, etc.
I have found, you have to talk to the "right person" at USAA.. not the average "phone droid" (being
an "almost fifty-year USAA member" is a HUGE advantage, as well).. ask outright, what the cheapest
"classification" is and see if you can insure one or more of your cars under that.
Hope this helps.
Charles 1974 FJ40