This insurance thread comes up again and again. Because insurance rules, limits, and coverages vary so much State to State there is no blanket answer. Generally collector insurance is a better deal if you can live with the limitiations. In all cases you have to understand what will happen if the car was to "disappear". Do you get "Agreed Value" or some arbitrary amount an adjuster makes a wild guess at? Talk to others in your State about where they insure their cars and what experience they have. You will meet them at car shows and cruise nights. Adding a Delorean to your existing auto policy is not a good idea. They usually go by "book" value and you could wind up with $5,000 (less the deductable!) and no car. The car could get totaled out for what could be fixable damage. In many States once a car is totaled it gets a salvage title and can no longer be registered and driven on public roads in that State. Grundy, Hagerty, and Taylor are some of the larger companies that insure collector cars. Call them all and get a quote. Ask them to work from an "Agreed Value" of $20,000. You may decide to actually insure for a lesser value but get the quotes anyway. State Farm and Allstate in many States won't even insure Deloreans. Be sure to understand the rules and limitations. In most cases you have a limit on the amount of miles you can drive a year and you have to have another car you use for daily driving. There is a BIG difference in premiums too. Collector insurance will cost around $3-400 a year. David Teitelbaum vin 10757 --- In dmcnews@xxxxxxxxxxxxxxx, "Cecil Longwisch" <dmc1982@xxxx> wrote: > This is an old, but continues to be an important thread. The coverage is superior by collector car carriers but the limitations are exacting and restricting. > Those that choose to go the collector car insurance provider, please remember that all of these that I am aware of do not allow you to d To address comments privately to the moderating team, please address: moderators@xxxxxxxxxxx For more info on the list, tech articles, cars for sale see www.dmcnews.com To search the archives or view files, log in at http://groups.yahoo.com/group/dmcnews Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/dmcnews/ <*> To unsubscribe from this group, send an email to: dmcnews-unsubscribe@xxxxxxxxxxxxxxx <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/