I have 1988 240dl and I have trouble getting antique plates.


Where do you guys have your cars registered as antiques.


I know we need garage and at least one more car...which I do. I just keep getting rejected from companies .

 

There is no "registration" to list a car as an antique, issuing a tag is the responsibility of the State, in your case, Florida.

Here's a link to the application:

https://www.flhsmv.gov/pdf/forms/83045.pdf

Note that if you are trying to get "antique" plates you can only use the vehicle on special occasions like mentioned. Certain states will pull over drivers who are "out cruising" on probable cause that the vehicle is not being operated for the limited use.

So, what's the reason for the antique tag?

 

I meant insure it, sorry for the confusion.


I am familiar with all the rules such as driving it certain number of miles, having garage, more than 1 car, etc... I was just wondering what insurances people use.


Wonder if I have to register it with state first as antique before I insure it?


Reason is that I don't drive it much and don't want to pay full insurance on it. I don't go over 5k miles a year and I only drive it occasionally.


Thx

 

I will offer this advice to you. I've seen people try to save money with insurance and it always comes back to bite them. The fact that you drive it occasionally and 5k miles a year appears that you will be operating the vehicle beyond the scope of the antique plate.

As far as insurance, you better read the policy, every single word. Depending upon who you choose, there are probably limitations on how it is covered. In your case, an 88 Volvo 240 is not a high end car so regular insurance should be pretty low.

Ask your insurance carrier and read your policy every single word.

 

Thx for advice.


Can anyone else tell me who they use to insure their car as antique or know someone who did?

 

"antique" usually means 50+ years old. 2018 - 1988 = 30 years old. keep the car another 20 years, register it with your state as an antique, THEN look into antique insurance.

most true antique cars are insured with 'declared value' insurance rather than conventional 'replacement value'. This costs considerably more, and comes from insurers like Hagerty, used primarily on concourse grade show cars and such.

 

Can't speak to the insurance rate but Ohio has "historical" plates available for vehicles at least 25 years old.

They don't expire for 40-50 years.

You have to sign an affidavit agreeing to only drive the car in parades... to/from car shows...to/from auto repair shops.

I use them on parts cars that are never driven anywhere... till its time to go to the crusher.

 

I checked it all and insurances that I saw use 30+ for antique and my state does too.

I am familiar with how it works and all that, I was just asking if anyone has one and who the insurance company was. Because I am having trouble getting one for a reason that they dont support that model Volvo and dont see the declared value in it. Minimum value is usually 3500.

I even saw one at the junk yard, 87', with antique plates.

Thats a good idea for parts cars, but what company do you go with ?

 

The only time my parts cars have been driven was from the point of sale to my parking lot. When it came time to junk them they were towed away. They were never insured.