Current collector car insurance

Fullraceflathead

Fullraceflathead

Well-known member
Can I get some input on current collector car insurance I had insurance with haggerty but they've raised the rates too much I'm looking for agreed value with 500 miles a year maximum driven mileage.
 
Ive always found hagerty to be far less then Grundy. also they are "easy".


Many want you to document your every move- if youre into that......
 
I was with JC too, but then they wouldnt accept my "patinad" cars, so I moved to Hagerty, where it was never a problem.


BTW never had a claim in 30 plus years.
 
Hagerty - Easiest to work with as they attempt to be all insurance for all car people.

Grundy - can be 'sticky', bang a fender to or from a show, no problem. Random Tuesday
AM at a coffee shop, problem.

JC Taylor - Sold two years ago to a niche specialty insurance carrier who also owns
Condon & Skelly and American Classics

Look beyond the insurance provider to see who is their underwriter (covers them). Major claims from Florida storm damage & California fires, we all pay for.
 
I had Condon & Skelly for years. Changed to Grundy when they were underwritten by Chubb (which they no longer are). Never a claim in 50 years, so no issues to report.
 
Yes, to affirm what Jim stated above, -it does seem like Hagarty has been the best as far as the shop doing the repairs. Generally they ask us to prepare an estimate and they send an Adjuster to be their eyes, and if everything looks legitimate, they approve the repairs. I have not been involved in such the circumstances as Jim mentioned with Grundy, but they have been good to work with. State Farm has been the worst I have ever seen. I presently have a customer's Model-A that was damaged back in December of last year, and SF has also had the estimate since December of 2024, and as of April 11th, 2025 they still have not settled with the car owner.
 
Lost my 1929 CCPU in the 2018 California wildfires. Hagerty quickly handled my claim, paying the agreed value. No issues, in fact, they contacted me after the claim was paid and inquired if I carried any repair parts or tools in the truck. I sent them a list and to my surprise they sent me an additional $1500. Hagerty went above and beyond. Great company to work with.
 

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I’m with Hagerty and am generally happy, but I’ve not had a claim so I can’t speak to that. When I added my ‘31 to the policy that already had my ‘30 they made me send them a photo proving that I had secure storage with hard walls, which I thought was a little pissy of them (I didn’t have to do that with the ‘30). They claimed it was a “California requirement” which sounds like a bunch of bovine feces to me. Could be the underwriter was having a bad day, the customer service rep on the phone (I still remember her name, Julie, and that she spoke clear English) was delightful.
 
just a word of advice- I met a fellow car enthusiast who had his car insured with JC.


It was a 100k stanley steamer. he pulled it completely apart to restore and it burnt to the ground. He wasnt covered at all.


Make sure you know what you are getting............... regarding coverage.
 
ronn said:
just a word of advice- I met a fellow car enthusiast who had his car insured with JC.

It was a 100k stanley steamer. he pulled it completely apart to restore and it burnt to the ground. He wasnt covered at all.

Make sure you know what you are getting............... regarding coverage.
Click to expand...
On my ‘30, when I pulled it apart to rebuild it I dropped liability and collision but kept comprehensive. Hagerty was fine with that.
 
I lost an A when my house burned in March of 2020.Hagerty was zero problems.The rep showed up,and asked if I had parts stored in the cellar with the car(I did).He allowed me the max on the parts.There was probably three times that in there though.The car was about 100 feet from dry ground,it was in an ankle deep puddle of mud,made up of soot,dirt,and the contents of a crushed septic pump.I think he was there to verify the car existed,and that it was a total loss,but he didn't go near it to check the numbers.He said he could determine from where he stood that it was a total loss.He knew I only had one coupe,and he could see it was the came car as in his picture.He assumed I was going to keep it,and said they were going to deduct $765.from my payout.It is still insured with them for $765. It costs nothing,with my other cars,and when I put another body on it I can just send them a picture and up the value.
 

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I'm also w/Hagerty, the renewal is in August. Last year the rates were still quite reasonable. Don't have a clue what they will be this year, whether they will be up or not, Just have to wait and see.
 
Just got my renewal,it went up $8. That's because they suggested I up the value of my 30 open pickup.It had been the same value since 2005. I also pay $28.per year for cherished value on four cars.$7.per car per year to keep them at no cost to me in case of a total loss.If I'd had that when my Coupe burned they wouldn't have deducted $765.for me to keep it.It just wasn't available here at the time.
 
I have AAA insurance, mainly because everything else I have is insured by AAA including our house.
 
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Hello, I also have Haggerty never any claims , and also have the 49 Buick insurance. for just value as engine is out . Was only an additional $19.00 to add the 1931 Ford when I bought it .Will get new policy renewal in May so find out if it increased.
 
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