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Old car Insurance, who do you use?

Discussion in 'The Hokey Ass Message Board' started by topdeadcenter, Jan 27, 2004.

  1. topdeadcenter
    Joined: Nov 30, 2002
    Posts: 525

    topdeadcenter
    Member

    Hey guys, I know this has been brought up before, but I can't find the thread. The 51 is running and driving now and in a couple of months I will need to have insurance to run it on the road.
    Who do you use?
    Do they have a problem if the car has some rust? i.e. it is not done.
    Cost?

    My regular insurance company American Family wants $173 per year. [​IMG] And that doesn't cover crap, AND they want to send out an appraiser.

    Thanks,
    Mike aka TDC

    TDC
     
  2. skipperman
    Joined: Dec 24, 2002
    Posts: 1,837

    skipperman
    Member

    sandy@collectorcarins.com .... The BEST best....1/800/str-rods....tell her Skip sent ya......I've sent her a LOT of guys...they're ALL happy.......

    Jersey Skip
     
  3. Ryan
    Joined: Jan 2, 1995
    Posts: 22,698

    Ryan
    ADMINISTRATOR
    Staff Member

    Haggerty is awesome. I have the disadvantage of auto racing being a past career, so my insurance rates are insane on my daily driver. I believe I pay $350 a year on the '38 for $30,000 of coverage on my car alone... When I added my wife's '51 Chevy, that rate only went up $17 a year...
     
  4. jdubbya
    Joined: Jul 12, 2003
    Posts: 2,435

    jdubbya
    Member

    Hagarty for sure, I have had 2 claims, they were quick, helpful, and a pleasure to work with. I live in Flint, where the insurance rates are sky high, but I only pay $228 a year, whick covers my car for $13,500. -Joe
     
  5. Paul2748
    Joined: Jan 8, 2003
    Posts: 2,442

    Paul2748
    Member

    Sneed Robinson is another. I have three cars with them. Latest a 54 Ford, 100,000 liability, collision, etc for 241 and this is NJ which has the highest rates in the US. No limit on driving except can't be a daily driver. Had one claim (pretty minor) and they took care of it right away.
     
  6. NITROFC
    Joined: Apr 17, 2001
    Posts: 6,174

    NITROFC
    BANNED

    GRUNDY RULES ... www.grundy.com

    Saved hundreds over Sneed Robbinson & American Collectors

    I pay around $400.00 for 70K worth of coverage ..you make the call
     
  7. JimC
    Joined: Dec 13, 2002
    Posts: 2,243

    JimC
    Member
    from W.C.,Mo.

    Hagerty. Period.
    Fantastic rates, great claims service.
    Used them since 1996.

    JIm
     
  8. hotrodladycrusr
    Joined: Sep 20, 2002
    Posts: 20,765

    hotrodladycrusr
    Member

    Two claims with Hagerty, both paid without hassles and one of those was a total loss of my 47 Chevy convert. Grundy's rates were within $10 of Hagertys for the exact same coverage.

    I changed from Sneed, Robinson, and Gerber to Hagerty cuz I got better coverage for less money for my hot rod. I did keep them for my newer Corvette cuz they have a special "Show Machine" classification which covers newer vechiles like Corvettes, Mustangs, mini-trucks etc. I did get rear-ended in my Vette and Sneed Robinson paid without hassles, even paid for genuine GM parts instead of aftermarket parts when I made a stink about it. It was almost a $500 difference for the GM facia compared to the aftermarket one. They did want to make me happy. [​IMG]

    I do plan on calling Skip's agent Sandy in the spring and seeing if she can beat Hagerty's price/coverage.

    The nice thing about Hagerty and Grundy is there is no deductable, you are allowed, and paid, to fix your own damage, and it's an agreed value policy, not like your everyday driver policy where you have depreciation involved.
     
  9. skipperman
    Joined: Dec 24, 2002
    Posts: 1,837

    skipperman
    Member

    Denise...Do give sandy a call....she and her husband are car people..... she used hagerty for a while....now I THINK it's continental...they are only brokers and they change providers every so often to ensure all of us a better deal...no deductible,AGREED value,300,000 liability,you CAN do your own work,NO MILEAGE limitation,etc,etc.... I've sent quite a few HAMBERS there and a LOT of my friends.....check her out and tell her Skip sent ya...

    Keep kroozin'.... jersey Skip
     
  10. hotrodladycrusr
    Joined: Sep 20, 2002
    Posts: 20,765

    hotrodladycrusr
    Member

    Trust me sweetheart, I will mention your name [​IMG] and if you trust her thats good enough for me [​IMG]
     
  11. topdeadcenter
    Joined: Nov 30, 2002
    Posts: 525

    topdeadcenter
    Member

    [ QUOTE ]
    Do they have a problem if the car has some rust? i.e. it is not done.

    [/ QUOTE ]

    So this is the last question I need answered. Does Hagerty or Grundy or Skip's lady care? Do they make you get an appraisal? There are just a couple of small rust holes around the fenders that will be repaired as I drive it this summer/fall.

    Thanks for all your input!
    Mike aka TDC
     
  12. JimC
    Joined: Dec 13, 2002
    Posts: 2,243

    JimC
    Member
    from W.C.,Mo.

    At the time I first insured with Hagerty, no appraisal was needed unless you insured for more than ten grand.
    They did ask for 3/4 pics front and rear.

    Jim
     
  13. flamedcoupe
    Joined: Dec 14, 2003
    Posts: 290

    flamedcoupe
    Member

    I have been with all three at one time or another. Started with SGR and rates got to high. Went with Hagerty and rates got to high.I am now with Grundy and I think its around 285.00 for 40,000. I live in Maryland. The only one I had a claim with was Hagerty and it was no problem.
     
  14. seldom scene
    Joined: Oct 9, 2002
    Posts: 867

    seldom scene
    Member

    I use grundy..good rates, good coverage, I sent in pics chose agreed upon value. my car is work in progress.
     
  15. famous59
    Joined: Oct 4, 2003
    Posts: 628

    famous59
    Member
    from dallas, tx

    What is the limitation on mileage allowed on the insurance companies mentioned ?
     
  16. Haggerty has worked well for me for the last three years. Good rates. Never had a claim so don't have any experience with that end of it.
     
  17. anyone from california (southern) with ins rates. i have farmers for all my cars and it's about $250 a month. that's 3 old cars/truck minimum only, 1 newer driver minimum and 1 new bike full cov. my cheapest car in my '60 el camino @ $300 a year (100k for bodily and 50k for property), my bike is about $600 a year............gotta cover your ass here in so cal. [​IMG]
     
  18. so-cheap
    Joined: Mar 8, 2001
    Posts: 235

    so-cheap
    Member

    Grundy $65 bucks a year to insure my 'stock' 54 Dodge for $5k.
     
  19. Smokin Joe
    Joined: Mar 19, 2002
    Posts: 3,770

    Smokin Joe
    Member

    On my 57 Chevy truck I used a rifle rack in that big back window with a scoped 30-06 and a Remington pump 12 guage hanging in plain sight. No one ever hit that truck or even gave it a door ding in 20 years. Best insurance I ever carried! [​IMG]

    All my cars have been daily drivers so I haven't bothered with specialty insurance. Just what it takes to be legal.
     
  20. Ky
    Joined: Feb 22, 2003
    Posts: 18

    Ky
    Member
    from Durango,CO

    I emailed this car colector insurance and a girl named denise emailed me back ands said That they wouldn't insure a car worth less than $10,000 What kinda crap is that???
     
  21. topdeadcenter
    Joined: Nov 30, 2002
    Posts: 525

    topdeadcenter
    Member

    I think I am going to go with Haggerty. They were only a little more expensive than Grundy and there's comes with a program that is much like Triple A. That way I can drop the AAA ($80/yr)

    Thanks for all the input!
    Mike AKA TDC
     
  22. NITROFC
    Joined: Apr 17, 2001
    Posts: 6,174

    NITROFC
    BANNED

  23. Levis Classic
    Joined: Oct 7, 2003
    Posts: 4,066

    Levis Classic
    Member

    BY FAR HAGERTY IS THE BEST. They are first and formost car people since day one, are a family business who stands behind their product.

     
  24. OldCarPilot
    Joined: Apr 1, 2003
    Posts: 1,292

    OldCarPilot
    Member
    from Bel Air MD

    Grundy doesn't have a milage thing... Does Hagerty?
     
  25. topdeadcenter
    Joined: Nov 30, 2002
    Posts: 525

    topdeadcenter
    Member

    Hagerty just told me that there is no written mileage limit. They just want to know approximately how many miles a year that the car will be driven. And they needed to verify that I have a daily driver for the wife and I. There quote was the best because it includes 3 flatbed tows per year, to get that sucker home when there is a problem. So now I can drop AAA saving $80/year there.

    Mike
     
  26. Church
    Joined: Nov 15, 2002
    Posts: 2,844

    Church
    Member
    from South Bay

    Damn. Thanks for all the heads up info. I need to put it to good use as well.
     
  27. Monkey
    Joined: May 6, 2002
    Posts: 961

    Monkey
    Member
    from Owasso, OK

    Very helpful information! I am getting ready to switch over insurance this week. I'm glad to have the "heads up" on all the insurance.

    Thanks Guys!
    monkey
     
  28. Monkey
    Joined: May 6, 2002
    Posts: 961

    Monkey
    Member
    from Owasso, OK

    What is Haggerty's Web site? I can't find it!
     
  29. Elrod
    Joined: Aug 7, 2002
    Posts: 3,566

    Elrod
    Member

  30. hotrodladycrusr
    Joined: Sep 20, 2002
    Posts: 20,765

    hotrodladycrusr
    Member

    Just an FYI, even though Hagerty doesn't have a written milage limit they do frown upon a hot rod that is driven lots of miles and will question you if your high annual milage is brought to their attention.

    This happened to me last year. My insurance agent called me telling me that the powers that be at Hagerty just called her asking what's with your customer Denise Sheldon driving her 1947 Olds xx,xxx miles last year. My insurance agent then called me asking what the deal was. I told her it must have been a typo [​IMG] I then asked her to explain what the milage limit was cuz I understood there was none. She said it was true that there is none but if your a annual high milage driver they might choose not to insure you just for that reason. My agent told me they like your annual mileage to be at or less then 5,000. So if they ask you, just put down 3-4,000 and you'll be fine.


     

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