Insurance

[87GNTTOP]

CAN ANAYONE RECOMMEND A GOOD/INNEXPENSIVE CLASSIC CAR INSURANCE COMPANY FOR MY 1987 GN.

I CURRENTLY HAVE HAGERTY WHICH EXPIRES IN NOVEMBER OF 2007. I RECEIVED MY RENEWAL TODAY (485.00) A YEAR.

I HAVE BEEN WITH THEM 3 YEARS AND HAVE NEVER MADE A CLAIM AND HAVE A PERFECT DRIVING RECORD.

THERE HAS TO BE OTHER COMPANIES OUT THERE THAT WILL GIVE US A BETTER DEAL.

ANY INFO WOULD BE GREATLY APPRECIATED. THANKS IN ADVANCE.

[JOHNDEEREGN]

Sounds cheap to me?

[cruzn57]

email.......... tluperini@rallyinsurance.com
tell him I sent ya,

Tim Luperini
Rally Insurance Group
Collector Auto Specialists
188 Industrial Dr. Suite 215
Elmhurst IL 60126

W 630-617-9960
TF 800-801-1823 Ext. 22


I have 5 classic cars with them
and its $550 yr for all of them!
and 4 of them are turbo buicks
HTH
Lee
cruzn57

[INEEDAGN]

Hagerty screwed me over big time a couple years back. first year was $350 for $15k coverage, next year it doubled to well over $700. I called and they said it was a change in KS law that allows them to charge me more since I'm uner 25. Long story short I let them rape me for two years because I feared regular full coverage in the event that I needed it. Eventually I said hell with it and went back with good ol' allied which is still $400 a year but is paid monthly. I turn 25 in Feb so I plan to contact grundy at that time to see what they can do.

I've always wanted to have mark hueffman make me a license tag surround that says "hagerty insurance sucks" but have never gotten around to it. Also if some hagerty guy saw it at a big event or something i'd probably have to dig my way out of some lawsuit they'd come up with.

No matter who you go with, they are all crooks. Make sure to get some vaseline.

[87GNTTOP]

LIKE I SAID, I HAVE BEEN WITH THEM 3 YEARS. THE ORIGINAL POLICY WAS IN THE 200'S. ITS SEEMS TO GO UP OVER A 100 A YEAR WITH NO CLAIMS OR TICKETS???

KEEP THE INFO COMMING, THANKS.

[87GNTTOP]

ttt

[PsYcHo GN]

I'm insured through Auto Club. They also have a classic car insurance policy, which I have my other vehicle covered through. I have my GN insured through a regular policy since I drive it very frequently.

[Terry_H]

Hagerty insured my 1981 911 Porsche last year for $160. That was $19K agreed value and max liability and comp with no deductables. I'm an old fart though and think the policy called for 2500 or less miles a year. I was extremely happy with Hagerty. Obviously, YMMV.

To anyone who thinks State Farm or AAA have collector car insurance, they might be surprised in a total loss event. Unless you have a policy that states "agreed value", you may get screwed. Stated value, replacement value, declared value, yada yada yada... these are values placed on your car by the insurance company and I can almost guarantee you won't get 100% of any value on your policy. An agreed value is placed on your car by you and that is the exact amount you will receive.

[PsYcHo GN]

Originally Posted by Terry_H

To anyone who thinks State Farm or AAA have collector car insurance, they might be surprised in a total loss event. Unless you have a policy that states "agreed value", you may get screwed. Stated value, replacement value, declared value, yada yada yada... these are values placed on your car by the insurance company and I can almost guarantee you won't get 100% of any value on your policy. An agreed value is placed on your car by you and that is the exact amount you will receive.

All of my vehicles insured through AAA are "insured value" (I declare a value and they throw me a yearly premium). I pay a lot for insurance for five vehicles since they all have full-coverage and the collision/comp and medical both have been increased to $250K/$250K instead of the standard $15K/$30K. In case I do some serious property damage or death : , I don't want to lose my shirt.

[87GNTTOP]

GRUNDY IS THE WINNER HANDS DOWN.

GRUNDY IS 316.00 A YEAR VS. HAGERTY AT 485.00 A YEAR .

GRUNDY OFFERS UNLIMITTED MILEAGE, 0 DEDUCTIBLE, 20K AGREED VALUE AND I CHOSE 300K COVERAGE.

SUBSTANTIAL DIFFERENCE!

[70Mach1]

Originally Posted by 87GNTTOP

GRUNDY IS THE WINNER HANDS DOWN.

GRUNDY IS 316.00 A YEAR VS. HAGERTY AT 485.00 A YEAR .

GRUNDY OFFERS UNLIMITTED MILEAGE, 0 DEDUCTIBLE, 20K AGREED VALUE AND I CHOSE 300K COVERAGE.

SUBSTANTIAL DIFFERENCE!

Read the limitations to how the car can be driven. I almost went with Grundy because they were $100 cheaper until I read the sheet you have to sign.

Haggerty has no mileage limitations either, and I would bet will be more flexible about how you drive the car.

All of my cars are still insured with Haggerty, and I have zero deductible. This is on my '67, '90 and '93. When I owned my GN, I also had zero deductable.

[Evans Ward]

Originally Posted by 70Mach1

Read the limitations to how the car can be driven. I almost went with Grundy because they were $100 cheaper until I read the sheet you have to sign.

Haggerty has no mileage limitations either, and I would bet will be more flexible about how you drive the car.

All of my cars are still insured with Haggerty, and I have zero deductible. This is on my '67, '90 and '93. When I owned my GN, I also had zero deductable.

A very smart man speaketh! Grundy turned me down as I truthfully answered the questionairre that I may use my car to run an occassional errand. Lord forbid if you got in an accident or if your car was stolen from Ace Hardware!! Hagerty for me please- much better customer service!

[TURBOPOWERED68]

A few minutes ago I got a quote from Hagerty for my chevelle of $164.00 per year.
Agreed value OF $15,000
Plus the other minimum legal requirements

I am waiting to receive a Grundy quote in a few days. Or maybe I’ll call them tomorrow.

[TURBOPOWERED68]

i just got an E-mail from Grundy and for the same $15K Agreed value and $500K Liability the premium is $250.00 a year.

[faster]

See if "Cotton States Insurance" is operating in your state. I have been with them since 1983 and will never leave them. I've had five claims in all that time and they never raised my rates ever because of a claim. When my fully restored 72 Stage1 got bumped by some goof making a left they did not even send an adjuster. They told me to find the "new" parts and get an estimate for the labor and they sent me a check in less than week. They do show car limited mileage drivers but I insure my T as a "daily driver" with no restrictions for $16K replacement value (based on an appraisel) with collision, comprehensive, towing and 50/100 coverage for about $450-500/year. They insure all my vehicles, home and business and I have never had an issue with them for any claim.

Even when my first wife (of three years) slammed her boyfriend from behind and he sued me for $50K so they could get a house together they just took care of it and never said a word to me.
I divorced her after that (she wrecked my 74 Buick on that deal right after she totaled my 69SS a few months before). She also totaled a mint 72 Fiat 128 I had a year or so before the SS.
What was I thinking when I married her?

Anyway if Cotton States is available call them.

Mikey

[AV62NV]

i have American family ins. and pay $250 a year for the gn. multiple cars and house ins. and under 2,500 miles or something like that a year.

[TURBOPOWERED68]

Originally Posted by faster

I insure my T as a "daily driver" with no restrictions for $16K replacement value (based on an appraisel) with collision, comprehensive, towing and 50/100 coverage for about $450-500/year.

Anyway if Cotton States is available call them.

Mikey

That’s the type of coverage that I am looking for even if I have to pay more for it.
This is one thing that I am NOT looking to be a Cheap SOB on.

[TURBOPOWERED68]

I called my regular Ins. company they said that they can give me full cover. So I asked them what they would use as a value guide for my car and they said "we use N.A.D.A and other factors" and naturally I asked "what are the other factors?" and I couldn't get a straight answer to the question. She kept on saying that the N.A.D.A would be a close guide along with other factors I then asked again “what are the other factors?

The bottom line is that she couldn't or didn't want to tell me what the other factors are and just insisted that N.A.D.A would be a close guide to the value.
So I am still desperately shopping for INS for my car.

The part that gets me is that with so many classics and hot rods on road and so little responses on this topic.
Is it just me that wants to drive my car and the rest of the world has garage furniture?
Or
Are they just chancing it with Grundy’s and Hagerty’s very restrictive coverage?

Today I am going to call my Ins. company again and see if I get another agent that might have specific answers to my questions

BTW the quote was $1200.00 a year.

[GullsGN]

Here in Mass we couldn't get Haggerty or Grundy in the past. Now that we have a new system does anyone know if either one of those are available in Mass for our cars. I would love to spend 500 bucks for 20k of insurance.

Steve