So just what year do I call it?

My insurance lady is awesome. She is putting my info in for the speedster. She asked if it was a real bug or kit bug. I couldn't lie to her. In fact, it upped the value with 0 premium change. She just needs a year. So what year do I have? ;)

1955 - 1957 ( your choice) Speedster replica. Make sure that your Agent includes an agreed value on the car.

She will insure it for $25,000 full coverage, for $200 a year at 5,000 mile max a year...

Like Alan said "agreed value," be sure it is not "stated value." there is a difference.

It is agreed value, not estimated or average value....

What Ins. Company is giving those rates? That's about half what Hagerty would want.

Isn't insurance influenced by location too - CA would be higher than TN I'd think? If tear drop rear lights - I'd go with '57. If bullet hee hive rear lights - I'd go '55 (or '56).

KW, if you're in TN, then you should consider joining us for the gathering in Asheville, NC, in September - actually one month from today. Check out "Mountain Madness 2011" in the Events forum.

Read the fine print. Are you allowed to drive it to work? Most agreed value policies will only allow the car to be driven for "pleasure." Even though we all know that any drive in our cars is a pleasure, insurance companies don't see it that way. In the eyes of an insurance company, driving your car to work or to the grocery store is not considered driving it for pleasure.

My policy is 5,000 max, agreed salvage price/fix price, no restrictions clearly stated... State Farm.

They usually aren't clearly stated. Is there anything in the policy about keeping it garaged and it not being your daily driver? I'd love to see it and I hope you are right, but I'm pretty skeptical that State Farm is issuing agreed value policies with no restrictions.

It is restricted, it is restricted to 5,000 miles a year. I used to be in the insurance biz, I am pretty confident when making insurance contracts/signing them etc. They have 3 of my Mopars on a similar plan.

and the AMC Gremlin?

I built a big block GremlinX 4 speed that I no longer have, just used it for my screen name. ;)

I once hauled a big block Gremlin on my car carrier, a SOB to load... all it wanted to do was spin tires and pop the front end up, ended up winching it on.