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

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I guess then based on the past household driving history I don't have too much to worry about so far with Grundy. I got a suspicious stop light ticket about 10 years ago which was cheaper to pay then challenge, and my wife tried to widen the garage entry way with her car, but I paid that "ding" out of pocket. Luckily, my insurance carrier, AMICA, forgave the one ticket.

Dave S - State Farm home office is less then 10 miles from me, and locally(NYS), they are horrible

i have had Hagerty for two years .i may be looking for someone new? both car are under insured 30.000 for both cars it is $1000. a year they know what i have under the hoods .i like to think i am a good driver i miss more then i hit. i did have one fender bender . they did get me for a 55 in a 45 so the speeding ticket is what they seen . so i do not know if i am getting a good deal or not...but i know i have taken both cars out less the 4 times a year and its costing $250 for a 5 mile run i am going to look in to Grundy see if there better or just sell the cars ?any one want a very mild warm over 66GTO and a allmost stock chevy coup

Originally Posted by Dave Severson

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!!!!

Dave, I have State Farm stated value & my agent claims he doesn't even know what agree value insurance is! Says they don't offer it & he's never even heard of it!! What's up?? Bill

I have had Grundy on several cars . Great company and easy to work with . Have 40K replacement on the 51 and its classified as a custom .Cost $326 a year . Im 72 but I dont think age matters .
Norm

Originally Posted by billlsbird

Dave, I have State Farm stated value & my agent claims he doesn't even know what agree value insurance is! Says they don't offer it & he's never even heard of it!! What's up?? Bill

that is funny mine agent did. that is how both of my car s were. under a classic policy from state farm ? you may want a new agent ?

Originally Posted by pat mccarthy

that is funny mine agent did. that is how both of my car s were. under a classic policy from state farm ? you may want a new agent ?

Agents are not equal, that's for sure. My AmFam agent went to bat for me when I wanted to go pick up my roller chassis & body, but found that my truck/trailer insurance only covered the load for liability, not for any damage to the load. They wrote an auto policy for comp & collission only, and maintained it through construction for me. The CHROME guy was amazed that AmFam had done that for me. My only headache is that if I should have a total loss their contract language includes an "...or market value..." clause which will likely get us into an argument. State Farm is the same way, as is Allstate and the other "traditional" carriers. That said, my '33 is "....just another car..." to them - no restrictions on mileage, trips to the store, using it to run errands, or anything else. It is a pleasure vehicle, and I can use it as it pleases me

yep state farm did know what i had .i used them for over 20+ years. i did get in two small fender benders they were good and i fixed my cars and they were happy to make me go away and cut a check. old cars are not there deal. one of my customer had a very nice old chevy truck more of a show truck some guy ran a red ligth nail it good but the rear tire took most of the hit it was tub out .one of my last jobs.it had a custom color .the state farm adjuster was trying to low ball me over the phone. i told him you better look at this truck .i was thinking we were going to go some rounds . he look at the truck and then knew it was not a plie of junk .he just want to cut a check and make it go away

i had haggerty for 3 years and was very happy. then my youngest son got his license and wanted to drive my car to shows. so i contacted haggerty to add him. they dropped me. so i told them that i would not let him drive the car. they told me i had to add him because he lived in my house and they would not cover it. so i hunted around and got a great rate with no restrictions on me or my son from geico.