FINALLY got a company to insure me, whew! There are so many stipulations from so many companies. Here are a few reasons some of the companies wouldn't insure me:
1)I'm 25, not 26. Some companies require that you have a minimum of 10 years driving experience.
2)My daily driver is not 10 years old or newer. Lots of companies require that every licensed driver in the house has to have a registered, insured, daily driver that is 10 years old or less. Hagerty's required 5 years or less.
3)The car is not 25 years old or more.
4)The vehicle was determined to not be appreciating (wtf?).
5)Regular insurance companies freak out when you try to insure grey market vehicles. Liberty Mutual wanted TONS of paperwork to even consider insuring the car.
I ended up going with a company called Safeco. They didn't ask about my daily driver, they didn't care that I'm only 25, etc. The bad thing is they do NOT allow pleasure driving, and I have a 5,000 mile/year cap on the car. I'm just happy I'm insured. Maybe I'll switch companies in a year once I'm 26 and get on with one that allows pleasure driving.
Oh, my premium is under $300 / yr.
(I'm going to have to jump through similar hoops to get the ForkenSwift insured - as an oddball vehicle - that's what prompted me to ask.)
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