insurance

[RETed]

Majority of FC's should not have anything else except for basic no-fault / liability if you can get away with it in your locale.
There's no reason to insist on collision and comprehensive due to the replacement value of the vehicle - i.e. KBB / Edmunds listings.
There are a few who insist their FC's are "priceless" - it's a hard sell to justify significant value over the KBB / Edmunds numbers.
The FC would be very hard to justify as a "collectors" vehicle with the exception of it's age.

If you're young - under 25 years of age - deal with it.
If you have tickets on your record - deal with it.
I pay $50 / month in one of the most expensive states for car insurance - Hawaii.
The FC is a "2-door sports car" in the majority of insurance companys' books.
The only break I get is the fact that my insurance company does not distinguish the difference between a turbo versus a non-turbo model - the rates are identical for both.
Perhaps the saving grace is that the car is old - over 20 years and getting almost 25 years old.
I own a 1987 Turbo II, and I'm over 25 years of age.

This kind of question really does not belong in here, as it's a regional query.
Most collectors type of insurance policies do not apply here in Hawaii.
Even if it did, they entail a lot of restrictions on usage - as Pete_89T2 has already mentioned.
Have you tried talking to your insurance rep to see if they can knock it down due to the low usage already?
If you're keeping your mileage down under 5,000 miles year, they will usually give you a better discount.
Any ticket will wipe away any possible discount, so your driving record needs to be clean.


-Ted