Desperately tyring to find collision insurance in North carolina--any help would be appreciated--Bill--
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Desperately tyring to find collision insurance in North carolina--any help would be appreciated--Bill--
Bill,
I am in NC, too. Got my insurance from Hagerty Insurance (check online). Very good company to deal with. I set the value of my car at $15,000 (older IM). I have zero points on my driving record. Comprehensive coverage, zero deductable, includes fire, theft and the regular whatnot, $132 for 12 months coverage. Yes, full comprehensive. For a few bucks more you can get tow-in coverage.
The deal is you have to have a locked garage to store the car, and you can't use it as your "work" car. When I got my policy written they had no mileage limit, but don't know about now. Last year I had an engine fire, Hagerty was great to deal with, settled up quick. Nice folks. BTW, if you are thinking you may use your car to commute to work you may want to look elsewhere. I tend to not play games with my insurance carriers.
I am in NC, too. Got my insurance from Hagerty Insurance (check online). Very good company to deal with. I set the value of my car at $15,000 (older IM). I have zero points on my driving record. Comprehensive coverage, zero deductable, includes fire, theft and the regular whatnot, $132 for 12 months coverage. Yes, full comprehensive. For a few bucks more you can get tow-in coverage.
The deal is you have to have a locked garage to store the car, and you can't use it as your "work" car. When I got my policy written they had no mileage limit, but don't know about now. Last year I had an engine fire, Hagerty was great to deal with, settled up quick. Nice folks. BTW, if you are thinking you may use your car to commute to work you may want to look elsewhere. I tend to not play games with my insurance carriers.
I also have Hagerty Insurance on my Speedster. They have been great to deal with and their prices are very competitive. Plus, they understand about kit-cars, replicas, and such...which many other insurance companies do not.
www.hagerty.com
www.hagerty.com
I purchased my insurance through Grundy.
Their website is www.grundy.com.
Their website is www.grundy.com.
Ditto on Haggerty. I am insured at the original delivered value of $24,300(no depreciation) on my 19 month old VS. With some reasonable restrictions (not normally used for daily commute, milage under 6g annual, must be in locked garage, etc.) my coverage is $374 annual with roadside service, including flatbed carrier vs towing. Application is made online, and you'll need to send pictures, and a delivered value (if new) or appraisal. They are prompt, and like John said, they do understand the varieties of speciality cars they cover.
Jim,
OKC
Jim,
OKC
Haggerty, 3 cars with them,prices are great.
Ditto on Hagerty. My rates in East Tennessee are more in line with Jim Ward's statement. I assume that my higher rate is due to the high liability limits I had to carry so that I would have coverage under our execss liability (umbrella) policy with my primary carrier (car, truck & home).
I am not sure why my insurance quote from Hagerty was so low, perhaps because I live in a rural area?, plus I am well past 25 y-o with a clean driving record. I couldn't believe the quote at first, hell, I have taken turds that cost more than that. I tried to get Hagerty to write policies on all my vehciles, alas their nitch is speciality autos. Nice folks to deal with.
Erik,
I spoke with one of Hagerty's reps this morning, and suffice it to say that you are fortunate to live in N.C., at least in terms of insuring a collectable in that state. To your good fortune.
John H.
I spoke with one of Hagerty's reps this morning, and suffice it to say that you are fortunate to live in N.C., at least in terms of insuring a collectable in that state. To your good fortune.
John H.
Yikes, John. Hope you didn't happen to mention my name to Hagerty when asking them why you are paying more. Would hate to have them re-examine my policy. I suppose it doesn't matter though.
Erik,
Rest easy lad. No names and I only mentioned a similar car. Apparently you (as in North Carolina residents, not you personally) are the beneficiaries of some rather fortunate circumstances for cost of coverage which were not explained to me in detail. Being way over 25, having a good driving record and living outside an urban area, I could not understand how our rates could be so different. Now I know. I found out that the cost of my coverage here is no less than the coverage I would have had living in a suburb adjacent to Chicago. Go figure.
(Message Edited 3/14/2003 9:40:53 AM)
Rest easy lad. No names and I only mentioned a similar car. Apparently you (as in North Carolina residents, not you personally) are the beneficiaries of some rather fortunate circumstances for cost of coverage which were not explained to me in detail. Being way over 25, having a good driving record and living outside an urban area, I could not understand how our rates could be so different. Now I know. I found out that the cost of my coverage here is no less than the coverage I would have had living in a suburb adjacent to Chicago. Go figure.
(Message Edited 3/14/2003 9:40:53 AM)