Insurance

I've used Grundy (Philadelphia Insurance) since I've had the car. No trouble, but I have not had a claim.

I so hate this company (USAA) using the military to sell their product (yes, all are compensated for their remarks--guess you get all excellent results for paying for it).  I use State Farm for everything. You would be shocked how low they can go. 08 Heritage Softail-- (FC) 24/7/356 for $210 a year, Speedster FC 24/7/356 $325 year. Of course I have 2 houses, a boat, and 2 trucks with them too but they have have never been a problem and nobody has beaten them. Nope--I'm not paid for these statements.

David

I used to have State Farm for 34 years in VA.  In FL they don't insure house/condos or any real property plus they can't be bothered with boats/pwc. They just cherry pick what they can money on at low risk.

Thanks for the replies, I guess I have some phone calls to make.

I'm using American Modern, somewhat limited use, $30K in coverage, 6K miles per year, $350 per year.

I used Grundy(Philadelphia Idemnity)  no mileage limits, agreed value,,had a hit/run in parking lot$5500, paid to have it fixed wherever I wanted..no complaints

This topic comes up every so often, and some information should come up in a search. 

I've got State Farm, but I've had Grundy, American Modern, and Haggarty. I'm with State Farm now because they allow me to use the car like a car (within agreed upon mileage limitations), as opposed to "shows and pleasure drives" only.

Lots of guys have had claims with specialty car insurance, and all of them have received a fair payout, as far as I know.

I dealt with State Farm on a claim earlier this year (a SF insured driver rear-ended one of my work trucks and totaled it- my insurance on that vehicle was with another carrier). They were awful. They will pay what is generally accepted for the vehicle itself, but for anything outside the lines (my truck racks, tools, and stock destroyed in the accident), they drug their feet until I got pretty rough with them. It took 4+ months to settle a simple claim. My employee's personal injury claim (it was like, $10K) drug on for almost 6 months, and he had a lawyer.

I've got everything with State Farm, except my business stuff. I'm thinking I'll be shopping for other insurance after my driving record cleans up a bit (I had a bad run about a year ago).

A good price is nice, but having an insurance company that meets their obligations in the event of a claim is pretty much what you are paying for.

Tread carefully.

Hagerty just paid out 14k for my car. I can't complain about that but I don't like the confines of the 5000 mile per year limit and the type of driving constraints.

This is in the Knowledge Base.

https://www.speedsterowners.com...reed-vs-stated-value