Who's Got Classic Insurance?

85_SS_302_Coupe

it sucks (I know) to be on the receiving end

15 Year Member

Nov 11, 2003

6,945

1,598

223

Northern KY

Oct 16, 2012

#21

• Oct 16, 2012

• #21

I need to look into this. My only problem is that i buy everything for my car with cash and usually used, so i don't have any receipts to prove what i have into it so i don't know how i can go about getting agreed value for what it's really worth. Right now i just have basic liability through my insurance company and if it gets wrecked, i'm screwed.

 

jcgafford

10 Year Member

Jan 7, 2012

1,114

95

104

Adrian, MI

Oct 16, 2012

#22

• Oct 16, 2012

• #22

i just replugged my info into haggerty. 517 a year. it was less than 400 in february.

 

madspeed

Colonel Mustard

Founding Member

Nov 29, 1999

8,914

1,332

204

a van down by the river

Oct 16, 2012

#23

• Oct 16, 2012

• #23

yikes, thats quite an increase

 

madspeed

Colonel Mustard

Founding Member

Nov 29, 1999

8,914

1,332

204

a van down by the river

Oct 16, 2012

#24

• Oct 16, 2012

• #24

ReefBlueHatch said:

Haha, it took me this long to notice that you live in Montoursville. I have family there; I grew up near Lock Haven and later on moved to State College

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Nice, i come to st college about once a month for work, and sometimes the games!

 

89stang1

Stroked and Juiced

10 Year Member

Nov 5, 2008

730

234

74

nj

Oct 17, 2012

#25

• Oct 17, 2012

• #25

I got Hagerty for the last 6 years, my car is covered for 30k hope to never have to make that call

 

ratio411

Founding Member

Apr 21, 2002

3,870

73

109

Pensacola FL

Oct 17, 2012

#26

• Oct 17, 2012

• #26

I just read far enough to see you got your insurance, so this post is really surplus...

I insure through USAA, and they sub-contract older cars out to another specialty classic insurer, I am not sure who.
However, I didn't care for the restrictions, and some people may not even be able to meet the restrictions.

Things like the car never being left alone unless it is secured inside a locked garage, or strict mileage and usage limits.
However, most states "classic" or "antique" tags have similar restrictions... Most states, especially the ones with great perks and money savings on registering the car, limit use to really ambiguous situations like "special occasions", "parades", and ect, while specifically banning driving to "work", "bad weather", or "daily".

Just a heads up to keep an eye on the restrictions.
If you break the insurance restrictions, you can be denied a claim, or if you break the state restrictions, it can be used to increase the revenue of the local law enforcement, especially if they WANT a reason to bother you.

 

madspeed

Colonel Mustard

Founding Member

Nov 29, 1999

8,914

1,332

204

a van down by the river

Oct 24, 2012

#27

• Oct 24, 2012

• #27

thanks ratio

 

Duncan McDougal

Active Member

Aug 17, 2005

99

0

27

Gainesville, FL

Oct 25, 2012

#28

• Oct 25, 2012

• #28

GroverDill said:

I have american collectors on my 93

37k agreed valve
just about $550 a year

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RacEoHolic330 said:

To get to that agreed value, I assume they wanted to see a nice stack of receipts?

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I have had American collectors for 5 years. If your vehicle is under $20k they don't require receipts. I have the "unlimited use" policy with is capped at 7k miles a year. I pay $342 for $12k in coverage. The only caveat is the "unlimited use" policy has a $1000 deductible.

With "Unlimited use" you can drive it to work, the beach, and the grocery store "occasionally". American collectors said "occasionally" was I could take the car to work a couple times a week.

 

santos

Founding Member

Dec 11, 1999

362

19

39

Camp Hill, PA

Oct 26, 2012

#29

• Oct 26, 2012

• #29

Hey Matt, there any restrictions on you? im gonna have to give them a call, i pay too much

 

madspeed

Colonel Mustard

Founding Member

Nov 29, 1999

8,914

1,332

204

a van down by the river

Oct 26, 2012

#30

• Oct 26, 2012

• #30

well they say if can only be used for pleasure driving. no , why do you think we have Mustang!!

 

dagenham

Member

May 23, 2010

100

3

19

Duncannon PA

Oct 26, 2012

#31

• Oct 26, 2012

• #31

89SSC18 said:

I had my SSC insured with Hagerty for 3-4 years. It kept going up every year at renewal time. It finally reached the $500 mark so I shopped around.
Now I'm with Heacock. Its right at $374 yr right now. It went up $50 from last year as it was $324 when I signed up with them two yrs ago.
I've never had a claim with either company so I can't vouch for their service.

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I have Grundy. They would up the value effectivly making the premium a little more until I finally said enough, the cars are over insured. It is set up now that the value will not increase unless I call them and tell them to up the value.

 

madspeed

Colonel Mustard

Founding Member

Nov 29, 1999

8,914

1,332

204

a van down by the river

Oct 26, 2012

#32

• Oct 26, 2012

• #32

RacEoHolic330 said:

Good info here. Gonna look into Grundy. Didn't know they were so PA friendly!

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And, their office is 5 minutes from where i grew up

 

atey950

Founding Member

Aug 5, 1999

516

60

59

Southeastern PA

Nov 17, 2012

#33

• Nov 17, 2012

• #33

I just got a policy with Hagerty @ 340/yr

 

madspeed

Colonel Mustard

Founding Member

Nov 29, 1999

8,914

1,332

204

a van down by the river

Nov 17, 2012

#34

• Nov 17, 2012

• #34

what car value? mine was only $210

 

madspeed

Colonel Mustard

Founding Member

Nov 29, 1999

8,914

1,332

204

a van down by the river

Nov 17, 2012

#35

• Nov 17, 2012

• #35

oops, mines Grundy

 

atey950

Founding Member

Aug 5, 1999

516

60

59

Southeastern PA

Nov 17, 2012

#36

• Nov 17, 2012

• #36

madspeed said:

what car value? mine was only $210

Click to expand...

12k

 

madspeed

Colonel Mustard

Founding Member

Nov 29, 1999

8,914

1,332

204

a van down by the river

Nov 17, 2012

#37

• Nov 17, 2012

• #37

mine too

 

atey950

Founding Member

Aug 5, 1999

516

60

59

Southeastern PA

Nov 17, 2012

#38

• Nov 17, 2012

• #38

Calling my agent on Monday!!

 

madspeed

Colonel Mustard

Founding Member

Nov 29, 1999

8,914

1,332

204

a van down by the river

Nov 17, 2012

#39

• Nov 17, 2012

• #39

i priced Hagerty too. they were i think 346 on my quote

 

aar0s

Founding Member

Dec 20, 1998

1,015

55

69

Nov 18, 2012

#40

• Nov 18, 2012

• #40

Hagerty's website quoted me 458 on the Saleen, added my tools to the quote (2500 insured amount) and that brought it up to just over 500.
Who ever I go with im going to ask about insuring the tools too, 50 bucks a year is cheep to replace tools in the event that a tornado drops a tree on the garage, not that id know anything about that...