The Hagerty Insurance Post !!!
Went through my broker and stated my case about the car. Not sure if that helped or not, but it could not hurt when they are talking to the folks at Hagerty.
Essentially when asked if the car was modified, I answered yes but to what degree that will matter, I am not sure. Most parts are NLA (No Longer Available) from the dealers and have been for years, Dodge doesn't even know what type of car I drive, while Mitsu is still quite useful and I can walk in with part numbers if need be; but I usually use the internet for parts orders.
You can't get replacement manifolds, turbos, and a myriad of other parts, so yes the car is modified but I said it is using all Mitsubishi parts where I can. Check one for "stock".
I asked after getting the quote (I will get to that soon, promise!) if it would matter to install adjustable suspension or wheels that were still the same size overall ( rolling circumference/diameter), and the broker said that essentially as long as the vehicle wasn't modified, in that it wasn't lifted, then suspension changes and wheels were a non-issue.
So, my age now 40, clean driving record in the past three years (minors offences only stay with the record in Ontario for three years, major offences are six years), and insured since I was 17 came in at the following:
1989 Plymouth Colt 200 GT turbo.
$20,000 agreed upon value. ( I had over 17k in receipts plus other parts to account for that brought this to over 18k, not including the car)
***Full replacement at 20K in the event of a total loss.***
Rider for Cherished Salvage Coverage to keep the car should it be a complete write off.
$604 CDN/year with whatever options were selected as similar to my other daily driver.
Also, note that in this case you have to have another full time vehicle for driving to work as the bus and motorcycles do not count.
Other drivers need to be insured on other vehicles or possibly even excluded from driving the car ... in my case, not a problem for a few years yet.
They will need a copy of my ownership, an online questionnaire to be filled out, copy of the daily driver insurance policy, and one color photograph of the car from the outside.
This is very good news if others have already established insurance with Hagerty for the Mirage/Colts, as this will help add to their total and move to establish a further presence on their radar. They were listing this car in their online quote database, so this means that likely Galant VR4's will be there already.
Hope this helps some of my fellow Ontario forum members as much as it will members all over the USA, because that is where Hagerty started and is still biggest.
Hagerty LLC is underwritten by Elite Insurance Company
(Insurer)Elite Insurance Company
10 Aviva Way,
That's great news for people with really nice examples of these cars with legitimate money and time in them like yours.