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Registration as Historic Vehicle

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I just insured my TR6 with Haggerty, simply to get the additional coverage that my other carrier would not agree to provide. The way that these cars are jumping in price, I wanted to lock in coverage before it became harder to get. I was lucky and found that my agent, who is a life long friend, also sells Haggerty. We agreed on the max insurable value of the car, with the yearly escalator, as soon as the company rep went to my web site. Plus I got the 125 mile flatbed tow coverage for any of my vehicles along with max liability limits for $250 less per year than I was previously paying for less than half of the coverage that I have now.

I found that the max limits are not available during the on line quoting and you have to be able to prove work done or actual original worth of vehicle, along with good driving record. Yes, they did want an odometer statement and if you divide my 54,000 by 32 years, I was way below the allowable limits. Garage and verification of matching or better liability on primary vehicle is also required to get coverage, but that's to be expected. I supplied last five state inspection receipts spanning 10 years and driving 2100 miles, so no argument there.

I really hope that I never have to ever use them, but I enjoy the piece of mind that I'm covered if I do. Also, this is a good time to remind everyone that the agent and company rep agree that you can never have too many receipts or digital pictures to back your claim up.
 
MY MGA's run historic plates....I am not suppose to use them for commuting or shopping....But my wifes MGA is used daily, for everything and she's never been stopped. I've even used it for commuting to work a few times and had no problems. I really can't see someone pulling you over to check that your within the terms of your plates.
 
I run antique tags on both my older cars. In Arkansas, there are no restrictions that I'm aware of other than that the car must be 25 years old (or older) and unmodified. It's also a one-time deal in Arkansas.

I also have Haggerty insurance. Both cars for less than $150/year. I need to double check, but I don't think there are any mileage restrictions, though I know that they ask for an estimated annual mileage when you sign up. The cars also must be garaged, and you must have a daily driver. The cars can't be used for business purposes, but I talked to an agent one time who told me that it was okay to drive it to work occasionally. Of course I'm lucky enough to have a small one-car garage at my office that I keep the car in when I do drive it to work, so that helps I'm sure.
 
Oh, yeah....I am suppose to garage mine as well....But the wifes MGA is out most of the driving season, I squeeze it into the garage in the winter.
 
I have my TR3 registered as an "Antique" in Texas. Antique cars are supposed to be limited to shows and "official" functions. Also, trips to the mechanic, etc are allowed. I have never been pulled over. In fact, a police officer asked me once what the Antique plates were (my plates are genuine 61 plates) while I was at a restaurant. I told him straight up and he just said that it was cool that I could have plates that were the year of my car. In other words, they not only don't care, they don't even know what they are! Another advantage is that Antique cars are exempt from annual state inspection, which is nice. Any chance I get to keep some punk from messing with the car, I am all for it! Also, my mechanic and I have an agreement that if I get pulled over, I am either on my way to or from the mechanic. He said he would say I was there. Of course, that would not work on the weekend....
 
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In fact, a police officer asked me once what the Antique plates were (my plates are genuine 61 plates) while I was at a restaurant.

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In Arkansas, I believe they just started allowing the use of "year of issue" tags for antique vehicles. I haven't checked into it yet, but I do have a very nice 1963 Arkansas tag that I can use on my TR4 should I ever decide to forgo the antique car tag which is currently on the car.
 
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