any recent insurance experience?

Looking for an insurance carrier in Indiana/Ohio. Anyone have any advice??? I used Hagerty in PA and was very pleased, buts its been a few years.

You may want to contact Alan Merklin, aka dr. clock, on this site. His wife sells replica insurance. It's worth it to me to have an actual agent as opposed to an internet form that I complete.

Kim can only write insurance for PA and MD residents.

Here are a few I would consider. Welcome back!

http://www.condonskelly.com/

http://www.classiccollectors.com/


http://www.hagerty.com/Collector-car-insurance/Auto-insurance-overview?aff=goog&utm_source=google&utm_medium=cpc&utm_term=haggerty+classic+car+insurance&utm_campaign=Hagerty+Insurance+Branding&gclid=CK__ktiZ96sCFcsBQAodNTFoHg

http://www.usinsuranceonline.com/auto-insurance-quotes.php?wsc=1&adv=16&kw=%5bgrundy+classic+car+insurance%5d&tk=bXNuLFgxMTg4MjkwLEdhcCAyIHwgQ2FyIC0gQnJhbmRzLGdydW5keSBjbGFzc2ljIGNhciBpbnN1cmFuY2UsW2dydW5keSBjbGFzc2ljIGNhciBpbnN1cmFuY2Vd&heading=Get+Grundy+Classic+Car+Insurance+Quotes&size=30&top=35

i love Grundy. had recent hit/run and they covered it 100 per cent with no hassles.
total claim was $5000. they are underwritten by Philadelphia Indemnity who was the money people.

I just went with Grundy.

If I remember right, Haggerty has something about not insuring home built kit cars.

Don't the Haggerty's and Grundy's of the world require your car to be a garage queen...no daily drives to the hardware store, Wal-Mart or McDonalds, limited mileage and only allow you to drive to a car show or two a year?

http://www.grundy.com/faqs/#unattended

http://www.grundy.com/faqs/#unattended

Hagerty has been very easy to deal with for me. I asked them about mileage, etc., and was told that it cannot be my daily driver and must be stored in a lockable garage at my place of residence. I told them that I accrued about 5-6k miles per year, about half of which was from the Carlisle and Smoky Mountain gatherings. They thanked me for letting them know and told me that it was no problem. I even have their buy-in to drive it to work once in a great while to "show it off to my buddies."

What does "once in a great while" mean to you, Lane?

Once a month or so on sunny Fridays. Given my commute, I don't want to take it in more than that anyway.

I also had a good experience with Hagerty, same guidance regarding usage and driving to work ocasionally etc. Also their coverage on flatbed towing etc. seems to be good.

We have been with State Farm nearly 25 years. When we intially attempted to insure the spyder with them, our long-time agent busted out laughing.... Big "no-go". We were with Aon (aeon?) for a number of years.

Then we talked with our agent again and the response was very different. They insured the spyder. We've now had it with State Farm for 4 or 5 years.

So, you might just try your regular agent.

angela

Thanks all - went with Hagerty again. Easy and same deal as Lane referenced.

I have a "Vintage" Speedster I purchased this past February and I insured it through State Farm. They insured it as a 68 VW. I was surprised they would cover it but they said they have expanded theri classic car coverage program.

norm make sure u have agreed value. if u dont they will base your payoff on a 68 VW which is about $800.

Agreed value (what you want) is different than stated value.

We use our car as a Daily Driver. So I wanted unlimited milage. Progressive did Agreed Value Full Coverage as a 1957 VW for a very good price. We have not had any claims but are very happy. We have had the car for ten months and have over 80000 miles on it.....would have been more except for the Blazingly HOT summer here in Texas this year.
We tried to add the car to our GIECO policy but they laughed so we went to Progressive, now GIECO is trying to recruit us back.
Seems it's getting easier to get insurance.

Jay

I added my car to Geico after Hagerty told me that driving my car to work once per week in the summer was "excessive."
I wanted to be covered for liability and I didn't want to worry about getting in an accident and Hagerty telling me that I wasn't covered because I was driving to work. The cost was a wash.

That's why I wonder how you guys sleep at night with Hagerty...driving the car seems out of the question.

I left Hagerty, because they would not put it in writing that I could "occasionally" drive my car to work, let alone define occasionally. They will say it, but they won't put it in writing.

You guys with your $15k to $30k cars insured as 50s or 60s VWs. Aren't you concerned about what the value of an old VW is if you total your car?

I went with an "Agreed Value" policy for $30,000 from America Modern Insurance Group through Atlas Insurance Agency Inc. in Amelia Ohio. I have an "Occasional Commuting to Work" endorsment, which is listed on my Policy Declarations page.

My policy includes a "Collector Vehicle Occasional Commuting Endorsement" that deletes the "to or from work" restriction. Otherwise, it's the same as my old Hagarty policy with an "Agreed Value" of $30,000 for $411/year.
My "Declarations" page states:
Mileage Tier: Mileage limit of 6,000/year
Usage: Occasional commuting to work, Occasional pleasure use

It can't be my daily driver and I have to keep it garaged.
Atlas Insurance Agency (800) 643-7770.

I think you're exactly right, Troy. Thankfully, only a very few of us ever make a claim with our replica insurance companies. Some guys think they're pulling the wool over the eyes of the insurance company, by occasionally going outside the boundaries of their coverage. As long as there is no accident, no one is the wiser. My fear was not so much the value of the car, it was liability. I shudder to think of having a claim refused when I am liable for an accident. If and when I ever get in an accident, I need to know I'm covered. I quit sneaking behind the woodshed many decades ago.

Maybe you guys haven't seen what old VW's are worth these days?
Sold my 61 Westfalia 12 years ago for $25,000.

If I was limited to 6000 miles a year.....I wouldn't own it. The sheer torture of looking at my car in the garage and knowing that I can't drive it again till next year would be overwelming.

6000 mile limits may be fine for the rich guys who have a lot of toys but I have just a couple and I want to play with mine.

I don't buy insurance figuring my car will get taken care of when someone creams it....I buy insurance because I am concerned that the Other guy if injured gets taken care of and because its the LAW

Not being concerned about your car being replaced if it gets creamed sounds like a "rich guys" position to me. I can't afford to take that risk, so I cover myself for both my lose and the other drivers lose.

It doesn't really matter what "some old VWs are worth these days," you will get book value unless you have an Agreed Value policy. Jay said that is what he has from Progressive, but I'm not sure that is what Norm has.

As far as mileage goes, I only have one toy and I'm far from a "rich guy," so I do the practical thing and I buy what I actually need. In my case, mileage is slightly under 6,000/year. I could buy more coverage if I drove more than that, but I don't. I would also venture a guess that the vast majority of us Speedster owners drive their cars less than 10,000 miles/year, probably far less.

I think Jack Crosby has some competition if Jay really put 80,000 miles on his Speedster in only 10 months! That had to have been a typo...correct?

Jay. What is your agreed value and what is that policy costing you?

State Farm did something really bizzare to me when my policy came up for renewal. The policy and id card said the insured vehicle was a 2004 Volkswagen and there was a rate increase, not much, about $34 on an annualized basis. I called my local agency and reported this since it had been insured and is registered as a 2004 "Specially Constructed" which the insurance had shortened to just "Specially".

Low and behold, CENTRAL KONTROL, spoken with the best Boris Badenoff accent you can muster, said that "Cabriolet" is a registered trade name of Volkswagen, so therefore my car is a Volkswagen. Can you believe that $hit??? I faxed the previous insurance id card and a copy of the MSO to hopefully straighten this mess out.

I recently read in a Consumers Report blurb that it is not a good idea to stay with the same company indefinitely. It is best to shop around for the best deal and service. Maybe it's time to do this. Also, perhaps a specialty insurer would be better for the Red Man.
Hoss

Just posted a long one but it timed out and didn't post so here's the short version.

It was a typo we have just over 8,000

We bought the car as our primary car so 6000 miles a year just wouldn't do.
Our policy is Agreed value of $24000 and costs about a $1000 a year

When my wife decided the speedster was the car for us ( and who could disagree) the Bank financed it and Progressive insured it same as a new car. The Bank did it's research of Vinage Speedster and the Agent at Progressive seemed to be knowledgable of the various speedster companies. I don't think it would have been as easy if the car was not "New" "Factory Built"

We have made some lifestyle choices and down sized everything this car isn't any more expensive than most other fuel efficient cars....27-32 MPG and I can maintain it. We don't need to carry passengers and it's just big enough for groceries. So it works for us.

Wasn't trying to dig on the "Rich Guys" besides they can afford to ignore me :)

Jay,did you get my email? It hasn't come back to me,so I assume you got it.

Allan,

Sent a reply days ago......just resent a few minutes ago
Let me know if you have any other questions. If I can't help you out I'm sure I know someone who can.

Jay

Jay.
If the Speedster is your only other vehicle, then it has to be declared your daily driver and you don't have any other options.

However, if you do actually have another car, it could be considered your daily driver and you could get virtually the same coverage you currently have with Progressive from the company I mentioned.

I choose the 6,000 mile/year option, but they also offered more. I'm pretty sure you could get 10,000 miles/year for about $500/year with the same Agreed Value and a "Collector Vehicle Occasional Commuting Endorsement" that deletes the "to or from work" restriction if you're not retired and need it. Otherwise, all your driving is for "pleasure" and you're golden.

So let's see. At $4.00/gallon and 30 miles to the gallon, that's 3,750 miles of FREE pleasure driving.

Troy, what did you have to provide this company to come up with the agreed value? I had my car appraised, as my agent directed me to, and then stopped by the office to change my policy. It turned out that State Farm will not do this unless the car is at least 10 years old. The agent was either ignorant of company policy or perhaps just leading me down a garden path; she's not there anymore, so I'll never no.
Hoss

Troy,
Better check American Modern consumer rating. 80% negative.

I missed the posts from Hoss and Tom the first time around.

Hoss.
They were familiar with Vintage Speedster, so I did not have to do a lot of explaining about replica's registered as VWs. I did have to send them detailed photos of my car and photos of it parked in the required garage.

Tom.
I took a look at the negative ratings you mentioned and it is concerning, but it also appears to be a very small number of actual complains. People who don't have issues never post about it, but those who do will. So I think this sort of rating has to be taken with a grain of salt. I'll stick with them until I have a problem or I find another company that will put it in writing that I can drive my car to work.

If I am in an accident while driving to work, I would rather be with a company that might not be the best, but at least allowed me to drive my Speedster to work rather than a company who spelled it out in writing that I could not drive it to work.

They're regulated by law to do what they say they'll do, Troy, so as long as it's in writing in your policy and the company doesn't go bellyup you're going to be OK. I think you done good.

Most complaints fall into the 'slow to pay' and 'difficult to contact' realms, or result from people not reading the fine print until it's too late.

If you want to do some google time you can find negatives on just about any business there is. I don't know if the country is just filled full of whiners but the net sure does make for a great big crying towel for some people.

I've been insured by USAA for close to 40 years, however they don't write policies for vintage or replicars and referred me to American Modern (apparently a subsiderary of USAA). I have my Speedster,JPS Coupe and 912 insured by them. No claims yet, about $400.00 for all three and 6000 mile limit and agreed value on each. However they don't know Jack Sh_ _ about cars. When you don't know the difference between a real Porsche Speedster ($160,000 - $210,000) a kit car a turn key a replicar etc. etc. you shouldn't be permitted to give quotes or even in the business.

Chuck.
I'm sure they have lots of different agents, so you must mean your particular agent. My agent knew the difference.

Troy,

Your absolutely right. I've only spoken to them twice, however both times were not pleasureable. I complained to USAA both times.

Chuck

Another slam against American Modern Insurance. Today was a particularly late November day in Central Pennsylvania, 64 degrees and sunny. We took our JPS Coupe out for a nice ride when it crapped out about 5 miles from home (throttle pedal went to the floor....either broken cable or retutn spring). Called American Modern for roadside assistance, they gave me anothe number to call which I did but it was a non-working number ! Called American Modern back no answer ? AAA was my next call, they handled it perfectly ! Then called back to insure I was pleased.

Chuck - Call Kim.