86 T Type Car Insurance

[cbird77]

I've got a really nice T and was wandering what insurance companies some of the guys on here use....I checked with my company and they go through Hagerty...$500 per year with no deductible...about right or too much. Value I told them I wanted insured was $25k. Suggestions?

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[TurboDave]

When I was shopping around I got quotes from Hagerty and Grundy. Hagerty was a full $100 a year higher than Grundy for exactly the same coverages, zero deductable, and values of each of my GN's set at $15,000. Both are insured through Grundy for slightly over $400 a year total.
Low value for GN's? Not really, both my cars are quite high mileage.

 

[79transam]

I have hagerty on all my cars. easiest company to deal with and I pay just over $400. car valued at $15,000

 

[Mike E]

I have an agreed value policy with Grundy for $355 yearly. I think the agreed value is $35K, which is the max for an 87GN with no appraisal. I tried to do $50K but didn't have time to deal with an apraisal, just needed insurance.

 

[jlat]

hello people; Isn't it true with the insurances talked about your limited to how you drive the car? LIke you can't drive it to work or put too many miles on it.
IBBY

 

[Mike E]

Your rates are adjusted based on the mileage each year. For example, I told them I would put 1500 miles a year on mine. But, there is nothing to check that with, my car doesn't even have an odometer. But, I highly doubt I'll drive it more than that though.

They also asked whether it would be driven to and from work, whether or not it is stored in a garage at your house, whether you have other vehicles that you drive daily etc..

 

[WH1]

Grundy wants pictures of car and the locked garage it will reside in. Can't drive to work but have unlimited mileage.

 

[1987GNASTROROOF]

American collectors here,super easy and $200.00 a year for $15k coverage.


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[cbird77]

I called American Modern and spoke to a guy that said they would not insure a vehicle above 1979 under the collector insurance. I argued that he didn't have a clue to what he was talking about. It really tee'd me off. He even went and asked his supervisor. What a joke. Hagerty's is looking pretty good so far. Waiting on a quote from Rally insurance in Illinois. They check several vendors and let me compare the offers. Pretty sweet.

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[cbird77]

I really appreciate all the info.

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[we4Mateo]

I use Westfield. They offer me $25k of coverage, unlimited miles, but only 120 days of driving per year. Who's gonna check though. I did need an appraisal, but they let you up the value periodically without a new appraisal. For $182/yr. The catch is you need to have another car with them as your daily driver, but their regular rates are competitive so the package ends up being cheaper. I do all my cars and my home through them.

 

[greeneyegi]

i did an agreed on value with state farm for 25k,it was cheaper by 150 dollars a year than it was with full coverage,no agreed on price.probably would have to fight to get 12k from the regular full coverage.
whoodathunk?

 

[cbird77]

I know on the quote from Hagerty for $500 a year it was $0 deductible. That' s a good thing. This car will never be outta my sight...its other texting drivers I worry about!

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[Undercover87T]

I called American Modern and spoke to a guy that said they would not insure a vehicle above 1979 under the collector insurance. I argued that he didn't have a clue to what he was talking about. It really tee'd me off.

American Modern through AAA. $25k coverage, 3000 mile limit, $320 annually. Just like all collector policies, must be kept in a garage, must provided proof of registration of your daily driven vehicle. They needed pictures and reciepts from the restoration because the car is modified. No appraisal needed, but I may have that done in the near future.

 

[cbird77]

I received a quote today from American modern for $575 a year. I told them it was modified. I don't know why it's so much more...i'm gonna check into to it some more tomorrow.

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[cbird77]

American Modern through AAA. $25k coverage, 3000 mile limit, $320 annually. Just like all collector policies, must be kept in a garage, must provided proof of registration of your daily driven vehicle. They needed pictures and reciepts from the restoration because the car is modified. No appraisal needed, but I may have that done in the near future.

I have an agreed value policy with Grundy for $355 yearly. I think the agreed value is $35K, which is the max for an 87GN with no appraisal. I tried to do $50K but didn't have time to deal with an apraisal, just needed insurance.

Did you find that through your local agent or online..
I have Farm Bureau insurance and they quoted Hagerty...

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[Undercover87T]

I went through the local AAA Mid Atlantic office. They will quote with American Modern or American Collector.

 

[tbone87]

My AAA quoted me like 25k for
185$ a year and can drive 2500 miles a year or more can't remember but good deal I think.

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[626gn]

Just renewed my agreed value policy with Grundy. $307/yr for 17k agreed value coverage. Agreed value is the way to go imo then there is no debate on how much your car is worth in the event of a loss because I can almost guarantee you won't agree to their number if something catastrophic should happen.

 

[TT/Ameasap]

360 a year from Hagerty with an agreed value.