Subarule Posted January 9, 2018 Share Posted January 9, 2018 Are vintage Subarus considered classic cars? Specifically, those from the mid 1980s, that run well and are driven regularly. And if so,what insurance companies are worth looking into? Thanks for any help. Quote Link to comment Share on other sites More sharing options...
golucky66 Posted January 9, 2018 Share Posted January 9, 2018 I know it'd a tad newer. But when I have my 94 svx, I had it insured through Hagerty for 7k. Ended up totalling it and they sent me a check for 7k. 1 Quote Link to comment Share on other sites More sharing options...
Subarule Posted January 9, 2018 Author Share Posted January 9, 2018 I know it'd a tad newer. But when I have my 94 svx, I had it insured through Hagerty for 7k. Ended up totalling it and they sent me a check for 7k. Thank you - good info. Quote Link to comment Share on other sites More sharing options...
carfreak85 Posted January 9, 2018 Share Posted January 9, 2018 It depends on what you value the car at. Too low and they'll ignore you. I looked into it for my EA81T wagon and they rejected both the model and the value I set it at. Quote Link to comment Share on other sites More sharing options...
idosubaru Posted January 9, 2018 Share Posted January 9, 2018 (edited) I don't think that matters at all - just call them and ask. insurance is strictly a financial product, not a material physical thing, so to that end it doesn't much matter. they are charging you small premiums at the risk of possibly a large pay out some day. you're paying them to take a risk, they don't really care what the item is, what it's called, or how you define it - that's meaningless. they just need an idea of risk assesment. then they can calculate how much that risk is worth to them. as long as they have some capacity to assign a risk and dollar value in their business model, they should be good to go. a classic car insurer should have plenty of data and experience insuring cars that they'd gladly insure a Subaru. he replied while i was typing - i could see that happening as well if it's such a small segment that it's not worth their time. they're more than likely run into fraud that way if you could insure any old worthless 1990's taurus. you could also ask your current insurance company if you could increase your amount and see what options they may have to not "go by the book". Edited January 9, 2018 by idosubaru Quote Link to comment Share on other sites More sharing options...
golucky66 Posted January 9, 2018 Share Posted January 9, 2018 One other things I forgot. Same as with my svx. I insured my 85 brat with them as well. I wanted 5k and they said they wouldn't go higher then 3 as the paint was in tough shape. So I painted it (rattle cans) and resubmitted for 5k and they approved it. Quote Link to comment Share on other sites More sharing options...
bratman2 Posted January 10, 2018 Share Posted January 10, 2018 (edited) My Brat has collectors insurance with Farm Bureau. They wanted me to bring to their office and took many pictures inside and out. They contacted me a few days later and said it was approved for up to $12500. Guess I need to check on my SVX too! Edited January 10, 2018 by bratman2 2 Quote Link to comment Share on other sites More sharing options...
el_freddo Posted January 10, 2018 Share Posted January 10, 2018 ^ That's awesome! I've not heard of an insurance company doing that over here... Cheers Bennie Quote Link to comment Share on other sites More sharing options...
dfoyl Posted January 10, 2018 Share Posted January 10, 2018 Bennie, I believe Rhino Insurance will do something similar. Shannon's are owned by those SOB's at AAMI and can burn in hell... Quote Link to comment Share on other sites More sharing options...
jono Posted January 10, 2018 Share Posted January 10, 2018 NRMA do classic for not dailys and they need to determine if something is special or not, and mods, the more the merrier Never thought Id say that about them, ditched em thirty years ago until mid last year, Best package ever ! Quote Link to comment Share on other sites More sharing options...
Subarule Posted January 10, 2018 Author Share Posted January 10, 2018 Right now my Sube is fully covered along with my Ford Escape, by The Hartford. But they did tell me they wouldn't know how to value it, which is worrisome. I am making a note of the classic car insurers mentioned here and will be contacting them. If if they are no cheaper than what I'm paying now, at least they'll have an idea of valuation. Quote Link to comment Share on other sites More sharing options...
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