Utah Senate Bill 51, and what it really says about Vintage Vehicles

[cruiseroutfit]

Alight, I've got a good friend and freind of the 4x4 and collector car world that I implored to dig in on this. He's quite plugged in an was able to get audience with some of the powers to be including the bills sponsor Wayne Harper. The pleas were heard and they were able to meet today and come up with a new proposal as follows.

1980 & older qualifies for the exemption. A rolling 30 year and older qualify for the future (still a tad fuzzy on the 80 & older, waiting for clarification)
You qualify by providing proof of auto policy insurance that lists it as a "classic" or "collector". I'm in contact with my insurance provider to determine what that looks like. Their thought is the insurance, that will limit abusers as those policies may come with mileage restrictions and/or are more expensive than traditional insurance, particularly liability only policies.

Auto Owners for Example:

Classic Cars - Auto-Owners Insurance

www.auto-owners.com

Does your current insurance provider have what may be needed? Post a link to the details if you can.

Thoughts?

 

[jeeper]

I registered my last truck as a vintage. My insurance (Bear River) did not have anything special for classic vehicles.. but my agent did find a company that based my insurance rate on the age and mileage use I predicted. I told them less than 1,000 miles a year, and I think my charge was stupid low like $200 for the year? I'll see what I can find.. but I usually delete emails that are no longer relevant

EDIT: It was Safeco insurance. But I don't have the cost available.

 

[Spork]

I'm confused. 1980 is 42 years ago not 30. In the past it was just 30 years to qualify for the vintage plate, co-worker that has a 1989 Jeep registered his as vintage because he just drives it in Moab a couple times a year and occasionaly in town, I would be suprised if he puts 500 miles a year on it. He registered it as vintage mainly to avoid having to mess with emissions.

I'm still of the opinion that emissions are stupid.

 

[TurboMinivan]

I'll bring my policy paperwork to work tomorrow, scan in the appropriate page(s), and post them in this thread.

 

[TurboMinivan]

On reflection, posting a photo will work better than a pdf.

I have the Grand Prix (Vintage Vehicle) and my Shelby (std registration) insured with American Collectors Insurance. My primary reason for choosing them was the ability to have stated value policies for both cars. Here is the top of the page for the Grand Prix. It is clearly designated as a Collector Vehicle Policy at the top, and on the right is also shows I am on a 5k annual mileage plan (which was their lowest tier IIRC).



Is this helpful?

 

[mbryson]

On reflection, posting a photo will work better than a pdf.

I have the Grand Prix (Vintage Vehicle) and my Shelby (std registration) insured with American Collectors Insurance. My primary reason for choosing them was the ability to have stated value policies for both cars. Here is the top of the page for the Grand Prix. It is clearly designated as a Collector Vehicle Policy at the top, and on the right is also shows I am on a 5k annual mileage plan (which was their lowest tier IIRC).
View attachment 145538

Is this helpful?

Is that per 6 months?

 

[TurboMinivan]

Is that per 6 months?

No, it is annual. For the Grand Prix and Shelby combined (both cars were initially covered for $20,000 stated, but that value automatically increases by ~5% or so each year to account for inflation) my annual bill is $501.09. This includes $300k for uninsured motorist, $300k for underinsured motorist, $300k for my liability, $1000 for electronic equipment, coverage for personal effects, towing, travel loss, glass, and more. All in all, I think it's a pretty good deal.

 

[mbryson]

No, it is annual. For the Grand Prix and Shelby combined (both cars were initially covered for $20,000 stated, but that value automatically increases by ~5% or so each year to account for inflation) my annual bill is $501.09. This includes $300k for uninsured motorist, $300k for underinsured motorist, $300k for my liability, $1000 for electronic equipment, coverage for personal effects, towing, travel loss, glass, and more. All in all, I think it's a pretty good deal.

I'm going to check into that for my two "classic" vehicles. Similar amount of driving that you do I'd assume.

 

[TurboMinivan]

Similar amount of driving that you do I'd assume.

I expect. In the four years it has been running under big block power, I haven't put 5000 miles on it. Clear 88 at 11 mpg willl do that to you, I guess.

 

[glockman]

So is there "collector" qualification all that is required or is the age, plus collector required? I'm thinking I could add my LJ as it see's less than 5K a year and is a very limited run. Saving money on insurance and registration in one stop seems too good to be true.

 

[cruiseroutfit]

Alright, updated with my peeps

1980 & older qualifies for the vintage tags and emissions exemption, no proof of different insurance, etc. A rolling 30 year and older qualify for vintage tags IF they use classic insurance. So 1981 - 1992 would have to have vintage insurance to qualify.

I'm content with this...

 

[TurboMinivan]

I'm content with this...

Hmm, that sounds workable for sure. It solves my personal problem 100%, and gives options for my co-workers. If this (a) allows us to continue as we want, while (b) also weeding out those who are currently flaunting the law, then I'm all for it.

 

[mbryson]

Hmm, that sounds workable for sure. It solves my personal problem 100%, and gives options for my co-workers. If this (a) allows us to continue as we want, while (b) also weeding out those who are currently flaunting the law, then I'm all for it.

100% agree with that

 

[moab_cj5]

I don't have a vintage vehicle yet, but this seems that a good compromise for my Father and his 2 vintage tagged vehicles.

 

[cruiseroutfit]

I just heard back from my agent:

"Actually saves you $427.13 as the classic vehicles rate for less miles and less use.
It won’t show it here, but on the declarations they will show up as Classic vehicles, and I can certify that for them or anyone as well."

 

[Mouse]

I took a look at the legislatures status of this bill. It is currently with the House Transportation committee (has been there since 21 Jan). There was a fiscal note passed to the Senate Transportation committee on the bill on 24 Jan, but there seems to be no movement currently.

Hopefully that means there is still time to call or email to give them your thoughts. A second email reminder might be appropriate if you did not receive a response to the first.

 

[cruiseroutfit]

The language on the bill was updated per my notes above

 

[TurboMinivan]

The language on the bill was updated per my notes above

I read through it for confirmation, and was pleasantly surprised to see a new addition:

"Vintage Vehicles no longer require a front license plate to be affixed to the vehicle."

I don't recall that being part of anybody's negotiation, but I'll take it.

 

[spaggyroe]

Some more news about this...

Utah House passes bill to pause personalized plates, amend new plate rules

Personalized licenses plates (for now), emissions test

www.ksl.com

an excerpt from that article:
As for the vintage license plate component, the bill is in coordination with SB51, a bill sponsored by Sen. Wayne Harper, R-Taylorsville, to catch "the cheaters" in emission testing. Only approved collectors' cars or any vehicle driven less than 1,500 miles a year would be allowed to be exempt from emissions testing. Harper is listed as the Senate sponsor of HB368.

 

[TurboMinivan]

Some more news about this...

Utah House passes bill to pause personalized plates, amend new plate rules

Personalized licenses plates (for now), emissions test

www.ksl.com

an excerpt from that article:
As for the vintage license plate component, the bill is in coordination with SB51, a bill sponsored by Sen. Wayne Harper, R-Taylorsville, to catch "the cheaters" in emission testing. Only approved collectors' cars or any vehicle driven less than 1,500 miles a year would be allowed to be exempt from emissions testing. Harper is listed as the Senate sponsor of HB368.

This caught my eye, so I just re-read through the entire bill. I still see no specific mileage allowance for Vintage Vehicles anywhere in it; just the requirement for collector insurance (for cars newer than 1980 model year).