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Non-picky Collectable car insurer?

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  • Non-picky Collectable car insurer?

    Her's my problem. I have a 1983 Ford E-150. It's a shit box, but it runs drives and stops under it's own power. I need to register it here in AZ but it won't pass emissions. It was owned by the Air Force and they pulled all that off. I can register it here if it has collectible insurance but when I check into that, the insurance companies want it to be in perfect condition and not drivin on a regular basis. I need a company who just wants my money and doesn't care what the van looks like. I don't need a million dollar coverage, just state minimum. I want to drive it when I need to get a sheet of plywood, or drop a body off. Any idea's? I'll send the first person to pull through an agent a current NSFW Custom Coffin Works girl photo for your wall paper!

  • #2


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    • #3
      I did mine through my State Farm agent. It took about 10 min, I got 20k worth coverage and all the state stuff, with no hassles at all. It only costs me $13 a month. The only drawback was I can't go over 1000 miles a year, which is fine with my schedule, lol. They were more worried that I had too many mods, lol, so if it's stock, you should be set.

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      • #4
        Originally posted by Psychoholic View Post
        Safe Auto won't do collectible. Working on the Grundy.

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        • #5
          Originally posted by Creepy Cruiser View Post
          I did mine through my State Farm agent. It took about 10 min, I got 20k worth coverage and all the state stuff, with no hassles at all. It only costs me $13 a month. The only drawback was I can't go over 1000 miles a year, which is fine with my schedule, lol. They were more worried that I had too many mods, lol, so if it's stock, you should be set.
          She told me it had to be in collectible shape. It isn't worth the dirt it sit's on.

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          • #6
            That's one thing I've found with State Farm, it's all about the agent. Mine is super cool and will do anything to make it happen, as apposed to many others that don't seem to give a crap about their customers. You might try just calling a different agent.

            I've had mine insured with them since it looked like this, lol


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            • #7
              [QUOTE=Custom Coffin Works;40948] I need to register it here in AZ but it won't pass emissions. QUOTE]

              Not sure of your state regulations, but what does 'Emission' have to do with insurance? Seems to me your problem would be passing state 'Inspection'.

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              • #8
                Have you tried checking with Hagerty.

                They might have driving restrictions like unlimited weekends, but limited to club events, to and from repair shops during the week. But you could always say that you were going to something like that in case of an accident. Also, it is all handled on the internet and you set the insurance on an agreed upon value and I don't think they have a problem insuring project cars, so you could say that you are in the process of restoring it whether you are or not.

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                • #9
                  Why won't it pass emissions? Is it because of the physical inspection, or is it not making the numbers? If they look at it and tell you that it's missing something, why not get an accounting of what you need, and try to find it at a wrecking yard? If it's not making the numbers, tell me what you're getting for CO and HC, loaded and idle, and I can suggest what might be wrong with it.

                  The collector car exemption is just that...it's for collector cars that aren't driven. You're not even supposed to drive them as a backup car, so if you get pulled over in a POS, even if you've managed to get collector insurance on it, les flics are not going to buy it, and they will hit you for something.

                  On a 1983, I don't know what the Ford was equipped with, but they don't have to run a scan on the system. All you have to do is have a cat and whatever emissions equipment is on the hood sticker, and most of the kids who look under the hood don't even know what they're looking at. As long as there are vacuum lines running all over the place and none of them are hanging loose, they're usually happy.

                  If the numbers are the problem, I can usually tweak them to make them pass at idle, but my emission tester doesn't do loaded readings. Still, as long as it's not misfiring and the carb isn't douching fuel, passing the loaded test is usually easier than the idle. If you want to bring it to Tucson, I'll be happy to set up the idle and diagnose it for you.

                  Of course, another option is to get rid of it, or register it outside of Maricopa or Pima County, if you can get a mailing address. The latter will raise eyebrows if you're pulled over, though, because you'll have to explain why you're in the county, and it can't be to go to work or school. This is probably the worst freaking state in the US to get a car through emissions, with a fixed exemption at the 1966 model year. 1981 and newer models are particularly harder to deal with, but the 60's and 70's cars only have to pass at idle. 1983 is a tough year model.

                  Best of Luck,

                  -denise

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                  • #10
                    Hey, it's not like an old car can't pass emissions. I just came back from having the 76 Chrysler tested. It blew 0.26/2.00 and 75/200, with a high-compression 440, performance cam, and Edelbrock Performer carb. I had to use the parking brake to hold it because the booster leaks vacuum when I use the service brake (thanks, Cardone), but it seems like there is always some stupid thing that I have to do to get them through emissions. The main thing is to have a tester at home, so that you can set it up before you go, then set it any way you want to after you get back. Otherwise, you're going in there not knowing whether it will pass or not, and that must be scary. The hearse used to have a leaky intake, and I set the idle up so high that I had to stand on the brake to hold it, but it passed that way. Then I went around the block and set it back down.

                    -denise

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                    • #11
                      So, Did you manage to find insurance for your van? Or more to the point did someone score the nsfw CCW girl wallpaper?

                      Don't get me wrong. I'm sure we would all like to be helpful, and do whatever we could to help you find some insurance for your van. But when you put the possibility of a nsfw ccw girl out there, it just became about getting the pics.

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                      • #12
                        Life does have its priorities...

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                        • #13
                          Not yet...crappy agents all are suddenly conservative. The NSFW pic actually has TWO beautiful CCW girls in one. Octobers and Decembers!

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                          • #14
                            I talked my agent on Monday, and he said he couldn't find any reason why they were giving you so much trouble, there's no reason they shouldn't just sign you up. Unfortunately, he can only do Washington and Idaho, or he would just take care of it. He said just try a different agent, and tell them it's your dream car that you are working on fixing it up, lol.

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                            • #15
                              Originally posted by EternalCombustion View Post
                              Have you tried checking with Hagerty.

                              They might have driving restrictions like unlimited weekends, but limited to club events, to and from repair shops during the week. But you could always say that you were going to something like that in case of an accident. Also, it is all handled on the internet and you set the insurance on an agreed upon value and I don't think they have a problem insuring project cars, so you could say that you are in the process of restoring it whether you are or not.
                              Seems like we have a winner...They are contacting me in two days. If they can do it, then you win the NSFW pictures! Cross your fingers.

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