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I use AAA here in CA, my insurance is $600 yearly. That is double the coverage of Comp and Coll and it is insured at a replacement value of $25,000. It is registered as a 69 VW . They took all necessary photos and went on the site to see what the cars were worth. Good luck to you.
Just the mention of the name "Hagerty" brings back bad memories for me. I applied for coverage with them, and once I got down to the fine print on the policy, it seemed as though the only thing it covered was damage to the car, while in a locked garage, or on the way to a club event. They claim to afford coverage for some 'casual driving' but then exclude anything for which your primary car could have been used. What the heck does that mean? I suppose you could even use your primary car to go to a club event - although it would be like going to the prom without a date -- but you could do it. A drive around the block could be in a primary vehicle too. It's like lending you an umbrella but forbidding you to use it if it is even cloudy outside. I was more concerned about them disclaiming coverage for a liability claim. Collision claims I could fight over, but a liability claim without coverage is a potential disaster. And, the people at Hagerty had a real attitude problem when it came to actually discussing the details of the coverage you're buying. Go with a regular insurance company, and a stated value for the car. It's a lot more money, but I like the peace of mind.
I just moved to Florida in April and have had State Farm for 20 years so I moved my policies over to them. The Speedster arrived from VS a few weeks later and they insure it as a 67 Beetle with $20K value and full everything for about $700 per year. I have it as a low milage which allows me 5000 miles a year but I'll never rack up that many.

Rich
Naples, FL
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