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Thread: So who is your insurance carrier and what do your rates look like
          
   
   

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  1. #16
    Mr Blue's Avatar
    Mr Blue is offline CHR Member Visit my Photo Gallery
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    Car Year, Make, Model: 23 Ford T, 2004 ZO6 Vette, 99 Mustang
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    Hagerty-$20K agreed value on my t bucket-$331 a year. Just renewed with them. Could not have made it easier. Don Jr.
    Don Jr.
    "Once again I have thoroughly disgusted myself"

  2. #17
    1923tbucket is offline CHR Member Visit my Photo Gallery
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    So what exactly is the difference between Grundy and Hagerty. They both seem to offer the same amount of coverage and as im noticing it's a trend that Hagerty seems to be double or more for the same amount of coverage.

  3. #18
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    green34ford is offline CHR Member Visit my Photo Gallery
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    Hagerty's dings with one thing I found out when I was shopping the engine. if it's not the same type engine they classify it as modified and Grundy does not.
    just remember cheap insurance is not always the best make sure you read everything don't wait till you need the insurance and it's no good. Get the most you can afford.

  4. #19
    98 SNAKE EATER is offline CHR Member Visit my Photo Gallery
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    Question

     



    I just went with Hagerty yesterday and it was $513 a year 0 deductible with no mileage restrictions on my 29 coupe.

    I'm still trying to figure out whether it's "Stated" or "Agreed" (don't see anything like that in the paperwork), but it does say "Gauranteed Value" of $30,000 on my declarations page

    Would that be considered "Agreed"

  5. #20
    dmw56's Avatar
    dmw56 is offline CHR Member Visit my Photo Gallery
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    Car Year, Make, Model: 30,34,39,50,54,65,68,70,71,72
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    Hagerty...6 cars $150K agreed value $1200 a year.
    Livin' on Route 66

  6. #21
    deuce bigalow's Avatar
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    Grundy .. No one else can compare to price, service & dependability

  7. #22
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    Dsprint2000 is offline CHR Member Visit my Photo Gallery
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    Car Year, Make, Model: 1936 Ford PU
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    Just got a quote for my 1936 Ford PU $20,000 with $500K lia - $172 year with Safeco.

  8. #23
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    My roadster is appraised & insured w/ Grundy for 125k
    I'm 60 & I pay around $550.00 a year.

    I had a major claim w/ Grundy a few years back & they were great to work with. I highly recommend them.

  9. #24
    Stu Cool's Avatar
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    Just renewed mine with Grundy for $46k agreed value coverage, no deductible, no mileage limit, $500,000 liability, trip interruption. I'm 60 with a clean driving record. While there is no mileage limit, they do specify that the car can not be used for daily driver, should not be used to go to the store or to work or school. My cost is $336 per year.

    Pat
    Of course, that's just my opinion, I could be wrong!

  10. #25
    IC2
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    My Grundy costs were for $40K plus $500K liability, etc, etc, etc and I am over 65 with a clean record is $263/year. No limits on driving miles, but they do say not to drive to work or errands.This is much cheaper then my regular insurance which in NY State is unreal, even with my good driving record
    Dave W
    I am now gone from this forum for now - finally have pulled the plug

  11. #26
    39Deluxe's Avatar
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    Car Year, Make, Model: 59 Corvette 283/270 69 C10 Stepside 355
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    I just got my Hagerty bill and it went down $20. Don't ask me why but I'll take it. I shopped Grundy first a few years ago when I switched to collector car insurance and, at the time, they would not write Corvettes. Also 2 of my cars, a '59 Vette and the '69 stepside were projects which they won't cover. So I went with Hagerty.

    It's $562 a year for 2 Corvettes and the Stepside on $55,000. agreed value, total.

    I wonder what would happen if you had a completed car with Grundy and decided to tear it down for a total rebuild. Would you have to remove it from your Grundy policy until it was finished or would they drop it if you had a claim and found out the car had switched from drivable to project.

    I'm not picking on Grundy here. Other companies won't write projects either. Hot Rodders being what they are, cars often switch from drivers to projects and, hopefully, back to drivers again. I would just hate to find out after I filed a claim that my car would not be covered because I had it blown apart for a chassis rebuild and detail.

    Tom

  12. #27
    IC2
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    Quote Originally Posted by 39Deluxe View Post
    I just got my Hagerty bill and it went down $20. Don't ask me why but I'll take it. I shopped Grundy first a few years ago when I switched to collector car insurance and, at the time, they would not write Corvettes. Also 2 of my cars, a '59 Vette and the '69 stepside were projects which they won't cover. So I went with Hagerty.

    It's $562 a year for 2 Corvettes and the Stepside on $55,000. agreed value, total.

    I wonder what would happen if you had a completed car with Grundy and decided to tear it down for a total rebuild. Would you have to remove it from your Grundy policy until it was finished or would they drop it if you had a claim and found out the car had switched from drivable to project.

    I'm not picking on Grundy here. Other companies won't write projects either. Hot Rodders being what they are, cars often switch from drivers to projects and, hopefully, back to drivers again. I would just hate to find out after I filed a claim that my car would not be covered because I had it blown apart for a chassis rebuild and detail.

    Tom

    Grundy will cover a car during construction/reconstruction so it can be moved from shop to shop like many who have 'others' build their cars. You do need to inform them as to what is going on though.
    Dave W
    I am now gone from this forum for now - finally have pulled the plug

  13. #28
    luis.stevens is offline Registered User Visit my Photo Gallery
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    What about The Hartford? AARP members are supposed to get great deals with them.

  14. #29
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    My wife's job includes daily travel around town, all times of the day to and from several elementary schools, offices, etc. Unfortunately she has had minor parking lot fender benders each of the past three years. I called CHROME (American National) and the agent told me up front that they could not give me their preferred rate due to household history - fair enough, even though she does not drive manual tranny's thus she will not be a driver of the insured car. I called Grundy, went through their check list and for "citations or claims past three years?" told the agent "Yes, as a family we have had relatively small claims each of the past three years." She asked, "What about you as a driver?", and I told her that No, I had not had any citations or claims for several years, other than reporting being hit from behind in my Jeep which destroyed the front end of a rice rocket, and scuffed the paint on my rock bumper. She told me, "...we only consider the applicant's history." A few days later, after several discussions with my primary agent about how to be sure I had dovetailed coverage with him and Grundy I get an e-mail from Grundy's underwriter saying in part,
    Unfortunately, we are unable to insure your collector vehicle based on your household driving history. The maximum number of losses/violations we can consider is two tickets and one accident in the last three years.
    If I were with Grundy I would be concerned that a cancellation notice may be headed my way any time they have reason to do their reviews of tickets, chargable accidents, etc which are all in a massive data base open to all carriers. Costs more ($450 to $500 annually vs $300 Grundy, $400 Chrome), and a total loss claim is likely going to be a hassle on the settlement amount vs "agreed value", but in my situation going with my regular carrier is going to be the answer - no mileage restrictions, no event restrictions, no hassles - just another vehicle to them.
    Roger
    Enjoy the little things in life, and you may look back one day and realize that they were really the BIG things.

  15. #30
    Dave Severson is offline CHR Member/Contributor Visit my Photo Gallery
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    I've got State Farm agreed value on my '71 pickup ($22.000) and my Mustang ($25,000) with a 3500 mile restriction on both, costs me $240 for both--But, I also have my house, house on the farm and the buildings there, and numerous other policies with them and have for better then 20 years. Put 3 miles on the pickup and 20 passes on the Mustang this year......so for me the mileage restriction is a non-issue.....

    However, as "other Dave" mentioned, Grundy covers a car while under construction and being transported so I have a couple project cars insured with them. Same would say I pay way too much for insurance coverage, but having lost 3 of my cars in someone else's shop fire many years back, and the resulting total right off and NO insurance check from anyone I guess I don't mind. Yeah, I could of sued the guy who didn't have his shop insured, but he'd just lost everything in the fire and there was nothing left of his for me to get!!! Just an expensive lesson on insurance that the lowest rate is not always the best coverage!!!!


    Make sure you know what your coverage is, and can afford the cost of a total loss if the worst should happen!!!!
    Yesterday is history, tomorrow is a mystery, Live for Today!
    Carroll Shelby

    Learning must be difficult for those who already know it all!!!!

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