Miata Turbo Forum - Boost cars, acquire cats. - Maximum boost for autocross on stock 1.6

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They just quoted me $2,002.64 per year to cover the car.

The limited trailer and storage insurance was $500 per year but is coverage that us already handled by my homeowners with a rider and by the insurance I have on my trailer with an additional rider.

So I dunno if we should call this one "busted, plausible or confirmed."

Sounds like you just used their online form and didnt call. Online form quotes it as a street collector car. 2k/year is about what my car came out to on their online form for collectable street cars.

Quote:

Originally Posted by Leafy (Post 1218313)

Sounds like you just used their online form and didnt call. Online form quotes it as a street collector car. 2k/year is about what my car came out to on their online form for collectable street cars.

I had a 15 min conversation with a young lady named Regina.

Quote:

YEAR MAKE MODEL VIN TYPE GUARANTEED VALUE

1994 MAZDA MIATA R

1 $ 40,000

Garaging: Private Garage/Barn/Pole Building

See page 2 for a detailed explanation of your quoted coverages.

PACKAGE

Auto - Modified -

Motorsports

INSURANCE PREMIUM $ 200

TOTAL ANNUAL COST $ 200

COVERAGE FOR DAMAGE TO YOUR AUTO(S)

Other Than Collision DEDUCTIBLE >> $ 0

Limited Trailer and Paddock Collision

Coverage

Spare Parts - $750 Total Limit ------------------- Included ($0 ded) -------------------

PREMIUM >> $ 136

DEDUCTIBLE >> $ 0

PREMIUM >> $ 64

:donno:

Quote:

Originally Posted by nitrodann (Post 1218256)

No fucken way.. Is your car road registered?

Yep. driving it to work today.

I live dangerously on insurance, I've only ever carried liability on any car I've had for like the last 20 years. It would suck if it were stolen if it is wrecked though I just hope there are good parts left. probably saved enough on premiums in that time to pay replacement value out of pocket.

I had a very near disaster a few years back when the trailer it was on behind my truck broke free the trailer hit a guard rail post stopped instantly and flung the car off into the middle of a 6 lane freeway. surprisingly little damage done and no other cars were involved. Dented rocker panel scuffed front bumper and some scrapes on the underside was all that happened. Luck.

Quote:

Originally Posted by bbundy (Post 1218339)

Yep. driving it to work today.

'Merica baby.

Quote:

Originally Posted by TNTUBA (Post 1218271)

There is no way an insurance company is going to provide actual replacement value on a race car for $200 a year.

They might give you replacement value on the chassis for that....but there is zero chance of getting actual replacement value on a race car for that little money. Hell, you couldn't get it for that much per month.

You couldn't get it for that much per day. Typical track day insurance around here is $250. Actually now that I think about it, that might cover the full weekend, can't remember.

Quote:

Originally Posted by Leafy (Post 1218272)

The assumed risk drops dramatically when the car is only covered when locked in a garage, on the trailer, parked or driven in paddock, and being loaded and unloaded. Call Hagerty and quote yourself if you dont believe me.

So it basically covers you against theft while you're at work and the car is sad at home and in case of accident while it's being towed to the track? I guess that's worth the $200 for piece of mind in case you get t-boned or some bullshit driving to the event. Still hard to believe.

Quote:

Originally Posted by dasting (Post 1218357)

And garage fire, and someone drunken crashing into it with a golf kart in paddock at night, or foot slipping off the clutch and bumping another car in paddock, or if you like miss the trailer ramps and roll the car when loading it on the trailer (somehow), or if the truck and trailer get stolen when you're asleep at some shady hotel in the middle of nowhere ohio during a long tow. Stuff like that.

Good times. What were your 60ft times?