Club Cobra Keith Craft Motorsports  

Go Back   Club Cobra > Cobra Talk Areas > ALL COBRA TALK

Keith Craft Racing
Nevada Classics
Main Menu
Module Jump:
Nevada Classics
Nevada Classics
MMG Superformance
MMG Superformance
Advertise at CC
Banner Ad Rates
MMG Superformance
MMG Superformance
MMG Superformance
December 2024
S M T W T F S
1 2 3 4 5 6 7
8 9 10 11 12 13 14
15 16 17 18 19 20 21
22 23 24 25 26 27 28
29 30 31        

Kirkham Motorsports

Like Tree12Likes

Reply
 
LinkBack Thread Tools Display Modes
  #21 (permalink)  
Old 02-08-2021, 06:23 PM
1795's Avatar
CC Member
Visit my Photo Gallery

 
Join Date: Aug 2013
Location: Canandaigua, NY
Cobra Make, Engine: SPF MKII Riverside Racer FIA
Posts: 2,499
Not Ranked     
Default

When I had my ERA 427 and it was titled as a 1965 Ford, I made it clear to my insurance agent that the car was a replica and what it would cost to replace. You do not want to be caught claiming that your car is something that it is not if you go to file a claim. That will quite possibly result in a charge of insurance fraud.
__________________
Reply With Quote
  #22 (permalink)  
Old 02-08-2021, 06:56 PM
twobjshelbys's Avatar
CC Member
Visit my Photo Gallery

 
Join Date: Jan 2009
Location: Las Vegas, NV
Cobra Make, Engine: Shelby CSX4005LA, Roush 427IR
Posts: 5,585
Not Ranked     
Default

The people I worked with at AIG knew EXACTLY what I had. It was an agreed value policy on both the Cobra and Ford GT.
__________________
Cheers,
Tony
CSX4005LA
Reply With Quote
  #23 (permalink)  
Old 02-09-2021, 07:08 AM
Blackbart's Avatar
CC Member
Visit my Photo Gallery

 
Join Date: Jul 2020
Location: NORTHVILLE, NY
Cobra Make, Engine: ERA #804
Posts: 103
Not Ranked     
Default

I purchased ERA #804 last fall. When registering the car in NY the DMV insisted on giving the car a new VIN, NY would not accept the CT VIN the car had when I purchased it. In the process of getting a NY VIN they insisted that the car be registered as a "2020 Custom". My insurer knows the car is a 1966 ERA Cobra replica even though it is titled as a 2020 Custom. Bottom line, the car is insured at an agreed upon value regardless of what the title says.
hauss likes this.
Reply With Quote
  #24 (permalink)  
Old 02-09-2021, 09:13 AM
CC Member
Visit my Photo Gallery

 
Join Date: Jan 2021
Cobra Make, Engine: I have a Superformance ordered SP03539
Posts: 51
Not Ranked     
Default

It would be impossible to bs my insurance company (State Farm ) due to them taking pictures of the cars and most of the time I take the cars to their office for the pictures. I have 8 classic cars insured with them and they have never given me a hard time.
I could be in trouble if my county tax assessor want to tax the car as an original Cobra.
Reply With Quote
  #25 (permalink)  
Old 02-10-2021, 09:59 AM
CC Member
Visit my Photo Gallery

 
Join Date: Aug 2012
Location: warrington, pa
Cobra Make, Engine:
Posts: 76
Not Ranked     
Default

just a question from a non-cobra owner, is it hard to get a cobra insured period? I talked to a guy locally at a show that told me he had to wait a year after buying his FF cobra before a company would insure him? he walked away before I could get him to elaborate on this but that doesn't make sense to me, I've owned and built a few street rods (FG replica's etc) and never had any trouble getting insurance?
Reply With Quote
  #26 (permalink)  
Old 02-10-2021, 10:09 AM
hauss's Avatar
CC Member
Visit my Photo Gallery

 
Join Date: Feb 2018
Location: Lodi, CA
Cobra Make, Engine: 427 manowar forged crank roller rockers . BIG CAM.
Posts: 785
Not Ranked     
Default

Quote:
Originally Posted by the shadow View Post
just a question from a non-cobra owner, is it hard to get a cobra insured period? I talked to a guy locally at a show that told me he had to wait a year after buying his FF cobra before a company would insure him? he walked away before I could get him to elaborate on this but that doesn't make sense to me, I've owned and built a few street rods (FG replica's etc) and never had any trouble getting insurance?
Probably because you are paying to much for the insurance you are getting.
Reply With Quote
  #27 (permalink)  
Old 02-10-2021, 10:44 AM
CC Member
Visit my Photo Gallery

 
Join Date: Jan 2021
Cobra Make, Engine: I have a Superformance ordered SP03539
Posts: 51
Not Ranked     
Default

I have done the same as The Shadow with street rods for a lot of years and have never had trouble with State Farm and I didn't pay to much. I have tried Grundy and Hagerty and others and they are always higher than State Farm. Now I don't know about a Cobra, I am going to talk to my agent in the next week or two.
Reply With Quote
  #28 (permalink)  
Old 02-10-2021, 02:10 PM
Karl Bebout's Avatar
CC Member
Visit my Photo Gallery

 
Join Date: Jun 2001
Location: Mesa, AZ
Cobra Make, Engine: ERA #2119 289FIA
Posts: 5,380
Not Ranked     
Default

Mine is "1964 SpCon" (Special Construction), in AZ. Regardless of stated value for your insurance, the AZ license and registration fee is dirt cheap, being a "1964".
__________________
Karlos
"In the Land of the Pigs, The Butcher is King"
Reply With Quote
  #29 (permalink)  
Old 02-10-2021, 05:27 PM
Spyderdan56's Avatar
CC Member
Visit my Photo Gallery

 
Join Date: Nov 2020
Location: Tampa Bay, FL
Cobra Make, Engine: West Coast Inc, Ford 7.5L 460ci
Posts: 8
Not Ranked     
Default

Hagerty would not insure my Cobra until I had one year ownership/experience with a high hp car. I already had my Lotus Elise insured thru them.

Grundy happily agreed to insure my Cobra. And now they insure my Elise (and at a much lower rate than Hagerty!!)
Reply With Quote
  #30 (permalink)  
Old 02-11-2021, 06:19 PM
CC Member
Visit my Photo Gallery

 
Join Date: Nov 2018
Location: Priceville, al
Cobra Make, Engine: Unique FIA
Posts: 334
Not Ranked     
Default

My Unique FIA is titled from Delaware as a 1965 Ford Convertible. She's tagged with an "Antique" tag in Alabama. Alabama doesn't issue titles for vehicles thirty+ years old. Tag chick got info from my title and after inspection put my title in the trash. I almost went over the glass for that piece of paper. She said it "wasn't needed anymore". Anyway I got it.

I'm insured with Hagerty. I'm"stated Value" at "$40k. with $500 deductible. They gave me a little resistance because they are used to seeing guys with huge HP/lb range cars being lent out to friends and wrecked.
Reply With Quote
  #31 (permalink)  
Old 02-13-2021, 10:41 AM
CC Member
Visit my Photo Gallery

 
Join Date: Sep 2001
Cobra Make, Engine:
Posts: 678
Not Ranked     
Default

I have Hagerty now but will be looking for another company after April. Had it with Mike Smith (classiccarinsurance) but the company left the state of NH for some reason.
__________________
Dan
427 CSX 3000/4000 and Shelbys.
All gone ! Was a Hell of a run

Now ... The dogs car
Mercedes E63S station wagon. 603hp
Reply With Quote
  #32 (permalink)  
Old 02-13-2021, 03:29 PM
CC Member
Visit my Photo Gallery

 
Join Date: Dec 2015
Posts: 1,442
Not Ranked     
Default

I've used Hagerty and Grundy. Both are quite high compared to Midwest Classic Insurance. Currently my agreed value policy ($55k) dropped from $286yr in TX to $216yr in SC.
Reply With Quote
  #33 (permalink)  
Old 02-13-2021, 03:57 PM
twobjshelbys's Avatar
CC Member
Visit my Photo Gallery

 
Join Date: Jan 2009
Location: Las Vegas, NV
Cobra Make, Engine: Shelby CSX4005LA, Roush 427IR
Posts: 5,585
Not Ranked     
Default

Quote:
Originally Posted by spdbrake View Post
I've used Hagerty and Grundy. Both are quite high compared to Midwest Classic Insurance. Currently my agreed value policy ($55k) dropped from $286yr in TX to $216yr in SC.
Your insurance rate from any company is directly and primarily determined by your zip code. Some areas have high losses. Our insurance rates on the daily drivers increased by 50% going from small town in Colorado to Las Vegas. Surprisingly the GT rate was actually less when I switched to American Modern.
__________________
Cheers,
Tony
CSX4005LA
Reply With Quote
  #34 (permalink)  
Old 02-13-2021, 07:35 PM
CC Member
Visit my Photo Gallery

 
Join Date: Jan 2021
Cobra Make, Engine: I have a Superformance ordered SP03539
Posts: 51
Not Ranked     
Default

spdbrake that sounds very reasonable. What is your Cobra titled as?
Reply With Quote
  #35 (permalink)  
Old 02-13-2021, 07:41 PM
patrickt's Avatar
Half-Ass Member
Visit my Photo Gallery

 
Join Date: Jun 2005
Cobra Make, Engine: ERA #732, 428FE (447 CID), TKO600, Solid Flat Tappet Cam, Tons of Aluminum
Posts: 22,005
Not Ranked     
Default

Quote:
Originally Posted by 34fords View Post
spdbrake that sounds very reasonable. What is your Cobra titled as?
Remember that you need a hefty liability coverage limit and an umbrella policy on top of that as well. If you kill somebody with your Cobra you're stepping in to court with two strikes against you, and I know a thousand guys that would be chasing you with a multi-million dollar suit.
Reply With Quote
  #36 (permalink)  
Old 02-13-2021, 07:53 PM
CC Member
Visit my Photo Gallery

 
Join Date: Dec 2015
Posts: 1,442
Not Ranked     
Default

Quote:
Originally Posted by 34fords View Post
spdbrake that sounds very reasonable. What is your Cobra titled as?
1965 Cobra in TX
65 Ford Cobra here in SC

Ins card reads 1965 Backdraft Cobra

Last edited by spdbrake; 02-13-2021 at 07:57 PM..
Reply With Quote
  #37 (permalink)  
Old 02-13-2021, 09:35 PM
CC Member
Visit my Photo Gallery

 
Join Date: Mar 1999
Location: TACOMA, WA
Cobra Make, Engine: Everett Morrision FE 427 so 2-4s
Posts: 2,025
Not Ranked     
Default

I brought my car to WA state in 2000 with a Nevada title and registered to me as a 65 Cobra replica. WA. changes it to KIT-V. Can you imagine a cop looking for a KIT-V. That is if they were to even look. WA did have to go with the date of chassis manufacture, which was 84.. So my car was done with emission testing every other year was over with as of 2009. I'm back with Hagerty as the company they shifted me off to now lo no longer does business in this state.
__________________
Mike H
Reply With Quote
  #38 (permalink)  
Old 02-19-2021, 12:52 PM
CC Member
Visit my Photo Gallery

 
Join Date: Sep 2006
Location: slidell, la., La
Cobra Make, Engine: 1981 CONTEMPORY COBRA, 351C
Posts: 65
Not Ranked     
Default cobra insurance

insured my cobra with American Modern Insurance, had my 1955 thunderbird
insured with Hagerty tried to add my cobra, was told they don't insure cobra
kit cars.
Found American Modern and they insured both my cars for $150 more a year
than Hagerty was charging me for just the thunderbird gave me a higher agreed value and more coverage than Hagerty and listed my wife as a driver.
Reply With Quote
  #39 (permalink)  
Old 02-19-2021, 01:18 PM
CC Member
Visit my Photo Gallery

 
Join Date: Sep 2006
Location: slidell, la., La
Cobra Make, Engine: 1981 CONTEMPORY COBRA, 351C
Posts: 65
Not Ranked     
Default cobra insurance

insured my cobra with American Modern Insurance, had my 1955 thunderbird
insured with Hagerty tried to add my cobra, was told they don't insure cobra
kit cars.
Found American Modern and they insured both my cars for $150 more a year
than Hagerty was charging me for just the thunderbird gave me a higher agreed value and more coverage than Hagerty and listed my wife as a driver.

Last edited by ccx1984; 02-19-2021 at 01:19 PM.. Reason: double
Reply With Quote
  #40 (permalink)  
Old 02-19-2021, 01:42 PM
CC Member
Visit my Photo Gallery

 
Join Date: Dec 2015
Posts: 1,442
Not Ranked     
Default

Midwest Classic Insurance uses American Modern as an Underwriter. They used to use Infinity up until March 2020.
Bojets likes this.
Reply With Quote
Reply


Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -7. The time now is 10:37 PM.


Powered by vBulletin® Version 3.8.0
Copyright ©2000 - 2024, Jelsoft Enterprises Ltd.
Search Engine Friendly URLs by vBSEO 3.6.0
The representations expressed are the representations and opinions of the clubcobra.com forum members and do not necessarily reflect the opinions and viewpoints of the site owners, moderators, Shelby American, any other replica manufacturer, Ford Motor Company. This website has been planned and developed by clubcobra.com and its forum members and should not be construed as being endorsed by Ford Motor Company, or Shelby American or any other manufacturer unless expressly noted by that entity. "Cobra" and the Cobra logo are registered trademarks for Ford Motor Co., Inc. clubcobra.com forum members agree not to post any copyrighted material unless the copyrighted material is owned by you. Although we do not and cannot review the messages posted and are not responsible for the content of any of these messages, we reserve the right to delete any message for any reason whatsoever. You remain solely responsible for the content of your messages, and you agree to indemnify and hold us harmless with respect to any claim based upon transmission of your message(s). Thank you for visiting clubcobra.com. For full policy documentation refer to the following link: CC Policy
Links monetized by VigLink