[notmytarga]

USAA occasionally sends me letters noting I am eligible. I drive my 75 911S Targa daily and have put lots into it since paying $4500 from my Mother in Law 10 years ago.

The kind notices read like this :

According to our records, you have at least one older vehicle (+25 years) that may qualify for
collector vehicle insurance, provided it:
• Is driven on a limited basis (e.g., pleasure drives, club functions, exhibitions, tours, etc.)
• Is kept in a locked garage (or similar enclosure)
• Has collector value (related to age, condition, rarity, options, etc.)
We appreciate your business and want you to know that this type of specialty insurance product is
available through the USAA General Agency. We have partnered with American Collectors
Insurance to provide this specialty insurance at affordable rates.
Most collector cars are used only for pleasure driving and occasional hobby use. The usage is
typically gentler and less frequent than regular car use. In addition to having a low annual mileage,
collector cars are usually stored in a secure location and very carefully maintained. This allows
American Collectors Insurance to give collector car policyholders low deductibles - or in some cases
no deductibles - and rates that are usually much lower than regular car insurance rates.
Additionally, regular car insurance doesn't take into account how collector cars tend to appreciate
in value. Collector car insurance covers your vehicle for an agreed amount. In the event of a total
loss, you are paid the full insured value of your vehicle without depreciation. Regular car insurance
typically pays a claim based on the market value of your vehicle which includes depreciation.
Some benefits of a specialty policy include:
• Agreed Value Coverage - guarantees the full insured value of the collector vehicle in the
event of a total loss, less any applicable deductible
• Flexible Usage Options - allows you to drive the collector vehicle up to the limit of the
mileage tier you select (2,500, 5,000 or 7,500 miles available in most states)
• Expert Customer & Claim Service - ensures your needs will be handled by collector-vehicle
insurance specialists with over 30 years experience
If you prefer to receive a quote online, please log on to usaa.com (Keyword: Collector Car). To
discuss all the collector vehicles in your household please contact a designated American Collectors representative today at 1-877-303-6071.

I haven't bitten despite the risk of a low value on my car if it were to be totaled. My faith in USAA is strong enough that my documentation (receipts, photos, Pelican posts) would support more value. But I know I am paying less ($46/6mo with $1000 deductible vs $260/6 mo with $500 deductible for other cars) for collision only because of what they could do to me. This thread is timely. Am I fooling myself? The letter implies my regular use of the car makes it not eligible (although I do only put 5000 mi/yr on it )- but agreed value would be nice. Maybe I should call since I have assumed it would be more expensive, but might not be.