Policy is coming up due and was thinking about a change, currently with JC Taylor, got quotes from Grundy and Hagerty, 226/year 30k value and 214/year 30k value. Any preferences, experience with claims on either?
Policy is coming up due and was thinking about a change, currently with JC Taylor, got quotes from Grundy and Hagerty, 226/year 30k value and 214/year 30k value. Any preferences, experience with claims on either?
Thanks!
I have a friend that had a claim thruough Hagerty and the know the shop that did the work he and the shop were very pleased. My friend paid nothing and the shop was reimbursed 100%. No questions asked if I remember right.
Hagerty on all three of my cars. Made a claim 2 years ago after being rearended by a Farmers car. Hagerty took care of it all. Only glitch was when I sent in the estimates I sent them to the wrong fax number(they have one for the business office and one for their claims dept). After I discovered the problem everything was cleared up in short time. I now have a local agent that covers my Hagerty policies. Much better. $550/yr full coverage on all three.
Hagerty here. No claims, no issues. Cannot drive the car to and from work though.
I used to be indecisive. Now I'm not sure. I feel like I am diagonally parked in a parallel universe. 1968 400 convertible (Scarlet) 1976 T/A - 455 LE (No Burt) 1976 T/A New baby, starting full restoration. 1968 350 - 4 speed 'vert - 400 clone (the Beast!) 1968 350 convertible - Wife's car now- 400 clone (Aleutian Blue) (Blue Angel) 2008 Durango - DD 2008 GXP - New one from NH is AWESOME! 2017 Durango Citadel - Modern is nice! HEMI is amazing! 1998 Silverado Z71 - Father-daughter project 1968 400 coupe - R/A clone (Blue Pearl) (sold) 1967 326 convertible - Sold 1980 T/A SE Bandit - Sold
Hagerty here for 1 year due to all the recommendations on this board.
2012 Mustang Boss 302 #1918, Competition Orange. FGF replacement 2006 Mustang V6 Pony, Vista Blue. Factory ordered. 2019 BMW X3 (Titled to the wife, but I'm always driving it for her. So I'm claiming it) Old projects, gone but not forgotten: 1967 FB 400, original CA car. After 22 years of work, trashed by the guy who was supposed to paint it. I had to sell it. 1980 Turbo Trans Am 1970 Mustang fastback, 351C 4Bbl, auto 1988 Mustang GT, 5 speed 1983 F-150 4x4, built 302 1994 Chevy K2500 HD 4x4, 454 TBI
Haggerty....dad had them b4 me and had a 29 model A stolen no questions asked had a check with in two weeks that was good enough 4 me had them ever since!!!!
My friend who owns 14 classics (7-Pontiacs 7-Vettes) uses Hecock. The only reason, if you have a "collection" of cars, they offer a complete blanket policy unlike any other on the market. So, unless you have a collection of cars, Hagerty is a great company. Most important thing when dealing with classic auto ins. you need to be sure that your policy is an "AGREED UPON VALUE" policy and NOT, repeat NOT a "STATED VALUE".
My above mentioned friend is a classic car appraiser for more than 30 years now and has shown me exactly how stated value policies work and how the owner of said policy WILL get screwed in the event of a total loss. Same is true if you have your classic on your regular auto ins. policy regardless of what your agent tells you and that is a fact.
I've seen first hand the court cases my friend has been called into and also the results. He has been used as a paid witness/professional for both sides and can tell you story after story of folks like us who have been screwed time and time again by the ins. co. with policies other than "Agreed Upon Value".
I am just now looking at renewing our car insurance and have a question. Haggerty wants to add $576 to my 5 vehicle policy for a Michigan assesment. Grundy did not put in their quote.
Would this ever be a problem or is this another hidden Michigan business tax?
I used to be indecisive. Now I'm not sure. I feel like I am diagonally parked in a parallel universe. 1968 400 convertible (Scarlet) 1976 T/A - 455 LE (No Burt) 1976 T/A New baby, starting full restoration. 1968 350 - 4 speed 'vert - 400 clone (the Beast!) 1968 350 convertible - Wife's car now- 400 clone (Aleutian Blue) (Blue Angel) 2008 Durango - DD 2008 GXP - New one from NH is AWESOME! 2017 Durango Citadel - Modern is nice! HEMI is amazing! 1998 Silverado Z71 - Father-daughter project 1968 400 coupe - R/A clone (Blue Pearl) (sold) 1967 326 convertible - Sold 1980 T/A SE Bandit - Sold
The Michigan Assessment is a pass through from the Michigan Catastrophic Claims Association and is set by them. There are some confusing comments out the trial lawyers about this issue. If you go straight to the source, http://www.michigancatastrophic.com/
"The 2010-2011 assessment is $143.09 per vehicle."
Michigan has the most generous insurance laws for these types of claims. Much like the upcoming budget battle, who and what gets paid for should be a subject of much debate.
1968 400 Coupe, verdoro green, black vinyl top 1968 400 Convertible, verdoro green, black top 1971 Trans Am, cameo white, auto 1970 Buick Skylark Custom Convertible 350-4(driver)
Every vehicle on an insurance policy will get hit with this. My recommendation is to get the maximum limits you can get for uninsured/underinsured motorist.
1968 400 Coupe, verdoro green, black vinyl top 1968 400 Convertible, verdoro green, black top 1971 Trans Am, cameo white, auto 1970 Buick Skylark Custom Convertible 350-4(driver)
Looks like they have lower rates for historical vehicles. Not sure how yours are registered.
Code:
HISTORICAL
ASSESSMENT PERIOD ASSESSMENT VEHICLE
7-1-11 TO 6-30-12 145.00 29.00
7-1-10 TO 6-30-11 143.09 28.62
7-1-09 TO 6-30-10 124.89 24.98
7-1-08 TO 6-30-09 104.58 20.92
1968 400 Coupe, verdoro green, black vinyl top 1968 400 Convertible, verdoro green, black top 1971 Trans Am, cameo white, auto 1970 Buick Skylark Custom Convertible 350-4(driver)
I am just now looking at renewing our car insurance and have a question. Haggerty wants to add $576 to my 5 vehicle policy for a Michigan assesment. Grundy did not put in their quote.
Would this ever be a problem or is this another hidden Michigan business tax?
The Michigan Assessment is a pass through from the Michigan Catastrophic Claims Association and is set by them. There are some confusing comments out the trial lawyers about this issue. If you go straight to the source, http://www.michigancatastrophic.com/
"The 2010-2011 assessment is $143.09 per vehicle."
Michigan has the most generous insurance laws for these types of claims. Much like the upcoming budget battle, who and what gets paid for should be a subject of much debate.
Sounds like it's time to head to the nearest border and register/insure them out of state
I've never heard of it. Passed in 1978? You would think if it was going to be a national program, it would have moved ahead by now.
I used to be indecisive. Now I'm not sure. I feel like I am diagonally parked in a parallel universe. 1968 400 convertible (Scarlet) 1976 T/A - 455 LE (No Burt) 1976 T/A New baby, starting full restoration. 1968 350 - 4 speed 'vert - 400 clone (the Beast!) 1968 350 convertible - Wife's car now- 400 clone (Aleutian Blue) (Blue Angel) 2008 Durango - DD 2008 GXP - New one from NH is AWESOME! 2017 Durango Citadel - Modern is nice! HEMI is amazing! 1998 Silverado Z71 - Father-daughter project 1968 400 coupe - R/A clone (Blue Pearl) (sold) 1967 326 convertible - Sold 1980 T/A SE Bandit - Sold
haggerty No question....wen policy came to for the next year they sent a letter stating the value of the car went up so they were raising the policy and no higher premium! dad had them car was stolen had a check in two weeks!!! I wouldnt even consider anyone else..just my opinion...
Larry, when you do, ask them if they have an agent near you that you can hook up with. It would've been handy for me when I had a slight mis-communication issue over the tele. Would've saved me alot of aggrevation.
It was time for me to get my classic car insured and this thread convinced me that Hagerty is the insurance company to go with. I applied on line, then I had a phone interview (the final stage of my application). I was asked by the agent on where would I drive my car on a routine basis, and I told her "just on the weekends, occasionally to the golf course". They disapproved my application because of that. I guess it's because of erratic golf balls that may damage my car. They said, I can reapply after one year. So, let this be a lesson to everyone else. You do not have to disclose your trips to the golf courses. Now, I'm looking for a second best insurance company around. Has anyone have a feedback on "Classic Auto Insurance" out of indiana? The cost is about the same and the policy is for an "Agreed Value".
Last year I went looking around for better pricing but sort of knew I wasn't going to find it. Hagerty wanted somewhere around $500 plus for my car - yikes!. I have American Collector and have been with them since 98. My cost (before I changed it) was $198 per year. Full coverage with a $50 dedect. I changed the value of the car and now pay more.
Agree with Jim. I pay between $250-$320 for each of my 'birds. Maybe I get a volume discount?
I used to be indecisive. Now I'm not sure. I feel like I am diagonally parked in a parallel universe. 1968 400 convertible (Scarlet) 1976 T/A - 455 LE (No Burt) 1976 T/A New baby, starting full restoration. 1968 350 - 4 speed 'vert - 400 clone (the Beast!) 1968 350 convertible - Wife's car now- 400 clone (Aleutian Blue) (Blue Angel) 2008 Durango - DD 2008 GXP - New one from NH is AWESOME! 2017 Durango Citadel - Modern is nice! HEMI is amazing! 1998 Silverado Z71 - Father-daughter project 1968 400 coupe - R/A clone (Blue Pearl) (sold) 1967 326 convertible - Sold 1980 T/A SE Bandit - Sold
Check with Grundy. I think they are pretty much on the same level with Hagerty. When I first applied for a policy with Hagerty they wanted a couple different angle shots of the car and one with the trunk open. I couldn't figure that one out until I figured out that they wanted to see if there was a fuel cell in there.