Old car Insurance, who do you use?

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. And that doesn't cover crap, AND they want to send out an appraiser.

Thanks,
Mike aka TDC

TDC

 

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

 

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

 

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.

 

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

 

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

JIm

 

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.

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.

 

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

 

Trust me sweetheart, I will mention your name and if you trust her thats good enough for me

 

[ 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

 

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

 

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.

 

I use grundy..good rates, good coverage, I sent in pics chose agreed upon value. my car is work in progress.

 

What is the limitation on mileage allowed on the insurance companies mentioned ?

 

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.

 

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.

 

Grundy $65 bucks a year to insure my 'stock' 54 Dodge for $5k.

 

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!

All my cars have been daily drivers so I haven't bothered with specialty insurance. Just what it takes to be legal.

 

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???

 

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

 

GRUNDY rocks ...

www.grundy.com

 

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.

 

Grundy doesn't have a milage thing... Does Hagerty?

 

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

 

Damn. Thanks for all the heads up info. I need to put it to good use as well.

 

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

 

What is Haggerty's Web site? I can't find it!

 

http://www.hagerty.com/

 

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 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.