Ok, I need just a little bit of help. I know each state is different, but it seems like everyone follows the same sorta process. I have a slight idea on what's going on, but I am not positive. My car is a 1987 that has a cowl hood all different engine and trans. I wanted to get historic plates, but the car is only 20 years old and it needs to be 25 to get historic. SO I am going to go the collectors car route. In that case I get to bypass all emissions and saftey inspections and am only allowed 3k miles a year (which is no problem for me) Since I am only 22 and still at home (going to school) the title is currently in my father's name. My daily car insurance is in my mom/dad's name. Most collector car insurance companies want you to be 25yo+ so my dad will prob have to insurance it under his name. Also, the car wont be garged unfortantly. It will be under a car cover when ever not in use....soooo I wanna get plates on the thing bad, so my question is, do I get the insurance on it, then goto DMV (MVC now in NJ) and get the plates and then goto the inspection station and have the OB read and given the bypass sticker?

Also, Does anyone know about NJ emissions laws? I hear you need cats on your car regaurdless of type of car or what it's classified.

 

the only thing is if this is the car you drive everyday....3000 miles adds up really fast...

i always saw getting those plates as being more of a headache than anything else

 

oh-no...it's only a weekend warrior. I did the math. If I was to drive it EVERY weekend, I have 56 miles each weekend to drive it. Since I wont drive ti every weekend and not at all during the winter, I will be fine. for those plates, you need proof of a daily driver. The insurance on a collector car will be ONLY 158 dollars a year compared to 662 dollars a year if I go regular plates and I would have to pass inspection which I would not be.

 

Have you contected the BMV for your state?

They're usually the best source for something like this. Most you can even contact by phone.

 

The "Bureaucracy of Motor Vehicles?" Yeap, that's about it!

 

I don't know about NJ but in PA to get classic car insurance they require you have another car insured with a regular policy for every driver in the household.So if it is you and 2 parents,you would need at least 3 other cars plus the one you want to insure as a classic.Most classic/antique policies require a membership in a car club as well,and specify the insured vehicle must be primarily used for shows,parades,pleasure use and occasionally for other purposes,but not for work.The policies are usually really cheap though compared to regular insurance.( average might be $100-$200 a year)

 

NJ DMV doesnt help for ****...I think I will just get it insured and then deal with the state BS. stupid stupid NJ

 

Pretty much how it is.
My collector car insurance didn't require I belong to a club or anything but they did ask when I first went with them (J.C. Taylor) over 10 years ago.

I found out the man who's now running NMCOA and also owns an '86 Monte has the same collector car ins I do and they were covering his Monte but wouldn't touch my '86?????
(makes sense right?)

The car had to turn 20 years old before they'd touch it.

They did cut me some slack in the fact they said in the fall of 2005, they'd provide collector ins for my '86. But my having 5 other car insured by them was what opened this door for me.

My premium is really low but my cars need re-appraised. Once this happens I expect my premium to sky rocket.