Hello all!

First post here...New to the forum...New to my 77 vette.
It needs some internal work, but for now it will do fine for a weekend driver.

I am looking to get antique insurance through JC Taylor, but I am wondering the better way to go for registration.

NJ offers "historic" with the QQ plates, and "Collector".
The difference I see is that Historic plates are for shows and parades only. Historic offers a one time reg fee and do not require inspection.

Collector registration allows up to 3000 miles per year on the vehicle, but requires mileage inspections annually as well as the need to renew registration.

I would like to drive the car on nice days. Not alot, but I wonder if I would have a problem doing so with the "Historic" status. If there is anyone who has gone through this that can offer advice I would appreciate it.

As I begin to restore the engine, I am sure I will look to this forums wisdom often.

Thanks,
Kenny Z.

 

if the car is registered as historic, and you can only drive it to parades and car shows, then, if you had an accident, say on the way to work, i would think you would be in default of your policy.

i got regular insurance on my vette. i drive it when i want, where i want. i don't want anyone telling me i am limited. i also pay a price for that privelege, which is a lot more than somebody would pay for collector or historic.
there is probably custom policies also, which may let you put more miles on it.
check around with other agents, and see what you can come up with.

 

Thanks for the advice...
The policy I am looking into has no mileage limit. The limit is actually imposed by the state. My hang up with going the "regular route" is passing inspection.

Kenny

 

Hi, I have a 75 roadster with the 'historic - QQ' plates in NJ. I use my Vette on the nice weekends in the summer and have never had a problem with mileage. It saves me a ton on insurance and I never have to worry about passing inspection (even though I think it would).

My suggestion would be to go the 'QQ' way and try it for a year...you can always switch back to normal plates/insurance or classic - if you desire to do so in the future.

Save the Wave !!!

 

go with qq plates!!!

 

Been using QQ for years in NJ on a variety of cars and always have collector's insurance. Regular insurance will max out well below blue book causing you to loose dollars in the end, collector's pays for the actual repairs. Get friendly with a local shop in your area and if on your way to 'work', you have an accident, you claim you were on your way to that shop for repairs/service. Also, always keep a list of local events on hand so that if on that Sunday afternoon drive something happens, you were on your way to or from the event.

Collector's insurance is based on the collector owner being careful, drive defensively, properly store and secure the vehicle, and drive it less than a daily driver. First hand accounts from friends show Haggerty and J C Taylor to be upfront, honest and do the right thing for you. A friend's Toronado was hit in the back, and the Taylor adjuster added some old dings and peeling/fading paint on the front sheet metal to the repair list.

As for the police caring about what you were doing, they don't know or care. Most don't even know that in NJ with QQ plates, you only need the rear plate and no inspection sticker. I keep a copy of the NJMVC regs for those in blue who don't know the law in NJ.

 

Search the forum for a recent post about this...

 

also, keep in mind, i called hagerty about getting insurance for my 82, and they asked if anybody in my household drives, i told them my g/f has a license, but no car.
hence, they could not give me insurance because of that.


i could have lied and said no, but, if something happened, i may have screwed.
i am still going to look around at some point, and see what i could get.

 

The companies I deal with all have the requirement that each licensed driver in the household must have a daily driver with proof of title, registration and insurance on each. I have myself, my wife and my son. I had to submit proof that all had licenses, all had a 'normal' car assigned to them as a daily driver, insurance, etc.

But, to go from $2,000 a year on 2 classics to $328 a year, it was worth the 'trouble'. Plus, I get full repair value and not just the blue book replacement value.

 

Back on the subject of registration, the NJ Collector Vehicle (triangular windshield sticker) requires that you take it to inspection every TWO years. They only check to see if your odometer works and what the mileage reading is. You can drive anywhere, anytime just not more than 6k miles in 2 years. (INSURANCE restrictions may differ.) I would be real concerned, if I had QQ plates, and got into a serious accident when I wasn't going to a show or something. Don't think an insurance company won't investigate that before they pay out a couple hundred thousand dollars.

 

JC had me submitt the dec sheet for my present daily drivers as well as the licence #'s of all drivers in the house. (myself and my wife)

 

My concern exactly. I think that for the "minor" trouble of going to the inspection station for mileage check ups, may outway the risk. I do not plan of reaching the limit, but I don't want to worry about what I did on the insurance app to save a few bucks. Not to mention that collector tags are available at any DMV but for the QQ you need to travel down to trenton.

 

I have side-pipes so inspection is out of the question. I got QQ in 2005 because I could not qualify for collector's insurance which you need in NJ if you're going to register with collector's tags (no garage). If/when I get collector's insurance I'll switch over if it's required by the insurance company. So far I've had no problems or raised any eye-brows with the QQ and I routinely enjoy casual drives with no destination...

 

I have had QQ plates on my cars for years. Icertainly do not use it for a DD car or trips to the store but I do not hesitate to take it out for a drive anywhere. I think if the cops see a QQ car on the road a lot they might hassle you but for an occasional use there should not be a problem. I have had collectors insurance also for years and have not had a claim but the only thing is it has to be garaged and under 3K miles. Neer been a problem for me.

 

i have qq on mine use it every weekend and during the week at cruises,no inspection,only renewel of registratation i think every 4 years,and no front plate either which is nice.Never been stopped by police either.Try american collectors insurance in cherry hill thats what i use.

 

I have the QQ plates and never had a problem using the car in the summer months. I don't use it as a DD only weekends and only sunny days. Check w/your insurance co first then enjoy the vette.

 

[QUOTE=Jims79;1561378664]Check w/your insurance co first then enjoy the vette.QUOTE]

I am still waiting to hear back from JC Taylor. A neighbor turned me on to them...It takes 7-10days for underwriting to get done reviewing. I am patiently waiting as my car sits in the garage. I don't think there will be any reason for them to reject it.

Going on week #2 without having it out on the road. Rainy days like today are not bad, but when that sun is shining, it is hard to keep it in the driveway.

Hopefully I will hear from them this week.

Kenny

 

I had the same problem when I first got collectors insurance for my 69 Corvette from ACE-INA. My daughter lived at home, had a license but no car. They had me supply an affidavit (signed by me and her) that stated neither she nor my wife she would drive the Corvette and if she did we both agreed that we were not covered. That satisfied them.

Now I have a problem; I received a letter form ACE telling me that they will not renew my policy when it expires in February because they are leaving that business. My wife and I share one car (a 2002 Lincoln LS) which she uses most of the time. I commute to work in Manhattan by train and ferry and have no use for a daily driver.

As for QQ plates I have had them for 8 years. I got tired of failing inspection every year because the parking brake wouldn't hold. Cost was a one time fee of $36.00. Every 3 years I get a letter from MVC asking if I still own the car. I reply "yes" and get a new registration card a few weeks later. I carry a list of car shows, cruise-ins and repair shops with me but have never been stopped by the law for illegal use of QQ plates. I've been stopped for other reasons but the plates have never been questioned.

 

i have had QQ insurance & registration since 1994
and on my yearly renewal they ask current mileage and what vehicle is used for.
i always put shows, cruise nights,parades, mechanic and "occasional sunday drives". no problems to date

 

You are confusing the legal requirements for QQ plates with your insurance policy restrictions. Typical collector insurance restrictions include, keep it in a locked garage, don't use it for commuting or errands, ie as a substitute for a daily driver, don't leave it unattended. If limited pleasure driving is allowed, then your insurance company will not care if you were driving the car but not in a parade or going to a show.

OTOH, if a cop stops you and wants to be a jerk he could give you a ticket for not being in a parade or driving to a carshow but I have never heard of that happening. My position is that every time I drive my vette I am putting on a show!