Young driver and insurance

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Model T Ford Forum: Forum 2015: Young driver and insurance
Top of pagePrevious messageNext messageBottom of page Link to this message  By Lonnie Smith Baxter MN on Tuesday, July 28, 2015 - 08:58 pm:

Our youngest turns 15 this year so he has a learners permit but according to our insurance company(American Modern Home Ins. Co.) nobody under 25 years old can drive my T's. What companies do you use or would you guys recommend I check with. Thanks for any input.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Dan Woolf on Tuesday, July 28, 2015 - 09:18 pm:

Try Hagerty. I had the same problem when my oldest daughter wanted to drive our Model A and our antique auto insurance company would not insure anyone under 25. Hagerty would insure younger drivers and so I switched insurance companies. That was several years ago and I have been with them ever since.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Chad Marchees _____Tax Capital, NY on Tuesday, July 28, 2015 - 10:16 pm:

I agree although have no first hand experience, only hearsay.

I can tell you that Hagerty is very youth orientated in trying to get and keep youths involved in old cars. So it only makes sense they would get them legal to drive antiques.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Erik Johnson on Tuesday, July 28, 2015 - 10:17 pm:

Get an insurance policy from a company that specializes in antique and collector cars.

You will most likely find out it is substantially cheaper than what you are currently paying to insure your Model T.


Top of pagePrevious messageNext messageBottom of page Link to this message  By John F. Regan on Tuesday, July 28, 2015 - 10:26 pm:

Hagerty IS a specialist in antique and classic car insurance and they cleary are in the business for the long haul since they insure young drivers with the only caveat that they must be a member of your household. Thus if junior is living elsewhere you cannot insure him on your policy but I find that limitation to make common sense in my mind. Oh yes, I switched to them a few years ago and they were also a wee bit cheaper.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Aaron Griffey, Hayward Ca. on Tuesday, July 28, 2015 - 10:31 pm:

I have had JC Taylor since 1986.
They do not allow folks under 25 to drive.

From what I have seen happen with friends that have Hagerty, I would switch to Hagerty.
They will settle a claim anywhere from fair to more than fair.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Jon Crane on Tuesday, July 28, 2015 - 10:41 pm:

I asked Hagerty when my sons turned 16 and they said no problem. I experienced one claim when my 27T went over center, rolled and was totaled. They were most efficient, thorough and sent an adjuster who knew the cars. Very satisfied with the service. Good folks


Top of pagePrevious messageNext messageBottom of page Link to this message  By Mark Gregush Portland Oregon on Tuesday, July 28, 2015 - 10:52 pm:

Never quite understood the concept that someone got their drivers license at 16 or 17 but they had to wait till 25 to drive your Model T or A.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Harold Schwendeman - Sumner,WA on Tuesday, July 28, 2015 - 11:02 pm:

So, that means, according to Hagerty, that my grandson, who just turned 16 and just got his drivers license, cannot drive one of my Model T's because he does not live in my house? hmmmm....


Top of pagePrevious messageNext messageBottom of page Link to this message  By Mark Gregush Portland Oregon on Tuesday, July 28, 2015 - 11:16 pm:

Time for his dad to get a Model T and insure it through Hagerty! :-)


Top of pagePrevious messageNext messageBottom of page Link to this message  By Harold Schwendeman - Sumner,WA on Tuesday, July 28, 2015 - 11:22 pm:

Well, unfortunately, that would be nice, but that just ain't gonna' happen! "His dad" is counting on becoming the owner of one of "HIS" dad's, (me) some day, but hopefully, Lord will'n, that won't happen for a few years yet!


Top of pagePrevious messageNext messageBottom of page Link to this message  By bob middleton on Tuesday, July 28, 2015 - 11:26 pm:

Hagar best here but you can add them as a secondary driver to most regular insurance policies I been driving old cars since I was 16 in mid 80's might try a progressive agent


Top of pagePrevious messageNext messageBottom of page Link to this message  By G.R.Cheshire on Wednesday, July 29, 2015 - 05:35 am:

Harold: Can your Grandson live with you in the summer and would that qualify him as living in your house?


Top of pagePrevious messageNext messageBottom of page Link to this message  By Lonnie Smith Baxter MN on Wednesday, July 29, 2015 - 06:55 am:

Thanks for all the input. Looks like I will be contacting Hagerty.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Colin Knowles - Moncton, New Brunswick on Wednesday, July 29, 2015 - 06:58 am:

Luckily Hagerty in the US will do this. They will not do it in Canada! Their policies are killing the hobby for young people up here.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Hal Davis-SE Georgia on Wednesday, July 29, 2015 - 07:17 am:

Our first antique was the A. We insured it with JC Taylor and it still is. However, all the other antiques are insured by State Farm where our modern vehicles and home are insured. It costs a little more than specialty antique car insurers, but they don't have the same restrictions. The only restriction I know of is a mileage cap of something like 7000 or 7500 per year which is probably fine for most antiques. It did take a little convincing that the T's don't have odometers and I don't know what the mileage is, but they finally understood.


Top of pagePrevious messageNext messageBottom of page Link to this message  By G.R.Cheshire on Wednesday, July 29, 2015 - 07:54 am:

State Farm used to be ok other than being more expensive in Florida. Last year after being with them for more than 30 years with no claims all of my auto policies went up by 12% I dropped them went to Hagerty for the antiques and as soon as I get a new roof on the house it and the modern's will be gone too!


Top of pagePrevious messageNext messageBottom of page Link to this message  By Tim Wrenn-Monroeville OH on Wednesday, July 29, 2015 - 08:08 am:

So far I've been pleased with State Farm-but then, no claims and hopefully won't be. Rates seem fair. But then, I'm waaaay over 25!! :-)


Top of pagePrevious messageNext messageBottom of page Link to this message  By Bill Everett on Wednesday, July 29, 2015 - 10:38 am:

Lonnie;

I believe it may have been Hagerty who told me that our children, 16 - 25 could drive our old cars if my wife or I were riding in the front seat.

Check that out with your carrier; no one wants to lose a customer, and a responsible under-25 driver is not an unreasonable risk for an insurance company.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Mike Robison on Wednesday, July 29, 2015 - 11:46 am:

I had this problem when I turned 16. I owned a Model T and couldn't get collector car insurance until I turned a certain age... I believe it was 18. At the time my only option was to buy std. auto insurance @ $150 a month. I was very upset at the time, It was a very expensive thing to do while I was still in High School and working for a little better than minimum wage. It really took away a bunch of the enjoyment of owning a T at an early age. I remember telling my agents, Do you think a 16 year old who wants to purchase collector car insurance is a high risk, I just restored a model T and want to purchase insurance at a reasonable rate, I am less of a risk than a 90 year old man driving a Classic car; who you will insure. :-) When I turned 18, I purchased insurance with Hagerty. It cost me $200 a year!


Top of pagePrevious messageNext messageBottom of page Link to this message  By Ned Protexter on Wednesday, July 29, 2015 - 11:55 am:

We have continental and when I was 16 it took a bit of convincing (had to send in report cards because getting good grades makes you a good driver I guess.) and I had a very clean record (nothing). I could drive anything we had except the old motorcycles.

They did say that if it was a muscle car they probably wouldn't be able to do it but since it was Model T's they could do it. Total cost increased a whopping $7.


Top of pagePrevious messageNext messageBottom of page Link to this message  By Dean Kiefer - Adams, MN on Wednesday, July 29, 2015 - 12:06 pm:

When Derek bought his 1st T he was under 18 so I had to put it in my name. I checked with Hagerty and they said he was covered as long as he was in eye sight of me. Well the only thing I was going to see of Derek was dust. I took a chance and stayed with Condon and Skelly. I got lucky and nothing happened.


Top of pagePrevious messageNext messageBottom of page Link to this message  By John E Cox on Thursday, July 30, 2015 - 12:28 am:

How many of you guy's did NOT have an accident with your first car?
I know that I did, my son did and a friend with a pristine 356 Porsche had his son wreck it while he, the father,was in the passenger seat.
When my son was getting his first car at age 16 my brother the insurance claim adjuster told me to buy him a big car so that when he had his accident he was less likely to be hurt.
That's why the 25 year rule. More time for the brain to finish developing.
If I had a young driving age child i wouldn't let them near my 28 model A.


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