Insurance Companies...

Steve Plucker

Steve Plucker

BANNED
Been contemplating on changing my insurance from J. C. Taylor to Grundy World Wide.

Can anyone comment on the two or do you have another company that may be better and why?

Thanks.

Pluck
 
One of our club members recently had occcasion to make a claim on their Grundy insurance and is not just satisfied with but amazed by the level of service. His experience makes me very happy that I also have Grundy.

Joe

PS. You know him well, Steve--call him and ask him about it. JW
 
STATE FARM.. I dropped JC Taylor. as soon as they asked me how much i drove that was it. i told them it was my daily driver and approx 5k a year.. they said SORRY NO INSURANCE. I told them do you realize how many of your members drive daily, she said not that they were aware of and if i wanted JC then i can ONLY drive to shows and an occational sunday outing. I called my State Farm Agent and he said..Drive to your hearts content and enjoy it your fully covered.
My wife's roadster which is being restored IS insured by them as they do insure cars while being worked on BUT when she is done, state farm for that on also. To be honest i was really taken aback when JC told me that, and I also called Grundy and the rest and i was told the same thing. My insurance on my Fordor is 72.00 per 6 months,.
Thats my opinion!
 
Mark has a good point. Grundy is not as restrictive as JC Taylor, but still they do not cover daily drivers.

My Model A use falls well within Grundy's restrictions, but I put my restorodded '52 Chevy 3/4 ton truck on my regular insurance to allow any use at all including towing our 5th wheel. It cost more than Mark's Fordor because I have it covered for the appraised value, but it's still not that bad.

Joe
 
My issue is that i drive my car a lot, almost everyday if i can and i need to be insured for that, that is the ONLY reason i went back to state farm. But DON'T Lie to them, be honest and each company is within a very close price to each other.
 
I've been very satisfied with Hagerty, especially their towing services. I also appreciate all that they do for the hobby (or avocation if you have the time and money to move beyond hobby).
 
i have grundy and very happy, no mileage limitations per year(that does not mean you can use it as everyday driver) agreed value also. they agreed the value of my A without any pics or documentation. i believe if its older than a certain year documents are not required. my buddy had a model A and got caught in a shop fire where he was getting the car worked on about 2 years ago. he had grundy with agreed value of 35,000. YES I SAID 35,000. the car didnt burn it was just heat smoke and water damage etc chrome rusted and so forth. grundy paid him the agreed value right away and then went after there losses from the shops insurance company. i highly recommend them and i have mine agreed value for 48,000. YES i said 48,000.
 
I have mine on my regular policy with all my other cars. The insurer is Travellers. You get discounts for more cars, and there was no mileage or use restrictions. I have not had to make any claims, so I can't tell you anything about service.

When I called one of the specialty insurers, they said I could NEVER drive the car to work (or to dinner, or pretty much anywhere but a show).

There is a local cruise night near my office during the week. If I wanted to go, I would have to drive to work in my regular car (20 miles), drive home, then drive the A back to the office in evening rush hour traffic and go up the street to the cruise night. Then go home (probably about 1/2 hour after I go there, as it would be pretty late by then).

The agent confirmed that, yes, that was what I had to do.

My dad had the car with Amica. No restrictions there either, IIRC.

Steve
 
SteveM said:
I have mine on my regular policy with all my other cars. The insurer is Travellers. You get discounts for more cars, and there was no mileage or use restrictions. I have not had to make any claims, so I can't tell you anything about service.

When I called one of the specialty insurers, they said I could NEVER drive the car to work (or to dinner, or pretty much anywhere but a show).

There is a local cruise night near my office during the week. If I wanted to go, I would have to drive to work in my regular car (20 miles), drive home, then drive the A back to the office in evening rush hour traffic and go up the street to the cruise night. Then go home (probably about 1/2 hour after I go there, as it would be pretty late by then).

The agent confirmed that, yes, that was what I had to do.

My dad had the car with Amica. No restrictions there either, IIRC.

Steve
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steve just make sure you have a agreed value on your classic car. if something happens where your car is totaled youll get screwed if you dont.
 
Hello Steve , My modern iron policy I have been with Safeco Ins. for 40 years and I put my Delivery on the same policy . Because I have been a good customer for such a long time they gave me a great rate on the Delivery. I can't drive them all at once. You being in a rural area your rates could be a lot cheaper.
 
Grundy and Haggerty both top notch. I switched from Hagerty to Grundy many years ago just because of cost. Grundy was about half the cost for the exact same coverage.

The most important factor like others have said is make sure it's an AGREED Value Policy. Don't let your insurance agent talk you into anything else or tell you the policies are all the same. They are not.

There are NO restrictions on where/when you can drive your car with Grundy EXCEPT the race track. You must have an insured daily driver and a locked garage. You MAY drive to work once in a while, you may drive to dinner with the wife or ice cream with the kids. Does not strickly have to be a show or parade.

Grundy is aware I have over 104,000 miles on my car with them that I put on over the last 8 years. As long as I don't use it as my daily driver I can drive it anywhere, and I do.

www.Grundy.com

www.hagerty.com

Will only take you seconds to get an online quote.
 
I use Hagerty which supports the hobby through influencing legislation and such.

They have "Agreeded Upon Value" and are not restrictive on driving, and offer towing services as well as their expected functions as an insurance Carrier.
 
I have had Grundy for about 20 years......but, I have had no claims. They are very good about increasing the "Agreed Value" when substantive improvements are made......no questions asked.

I guess they are all great companies until you need them to settle up. They all take readily take your money......
 
I have Hagerty on 2 cars. No claims yet, but I like their renewal process. They've called me a couple of times when the renewal date is close, and have suggested that I might want to consider raising the Declared Value of the cars, and have given me a phone quote on what the additional premium would be.
 
Jeff/Illinois said:
I have had Haggerty for several years, good service.

I have been told that Grundy is very good. If you live in the Midwest, Continental Western Group is a good carrier too.

The key to the whole thing is AGREED VALUE COVERAGE between you and the company when the policy is issued. Appraisals. Photo documentation.

Read the car magazines about last January's big storm that hit Scottsdale, Arizona during the auction week. (Barrett-Jackson, Russo and Steele, etc.). Car owners with name brand insurance carriers (Hartford, State Farm, Country Mutual, etc. etc.) got a BIG surprise when they tried to file a claim. They found out that the STATED value coverage isn't worth a damn to the owner, that it is up to the discretion of the APPRAISER who works in the interests of the INS. COMPANY------surprised?------who will greatly undercut you, the owner, while he gets a bonus from the Company for screwing you. The last issue of Muscle Car Enthusiast had a big feature on this very story. Lawsuits still pending but they are fruitless.

Just because "I only pay $50 bucks every six months for coverage" or whatever does not mean you will be fairly compensated for damages.

I can guarantee, you will NOT. That 1930 Fordor is just another old car to Big Name Ins. Co. Restored? Oh well, $5,000 is more than enough for that old thing what ya gonna do, sue us?? Ha. Go ahead. You accepted stated value and we have stated the value. If you don't like it, tough.
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Jeff I completely agree with you about State Farm, I have been with SF sense I was 16 years old and my agent told me yes we will insure it but it would be better off somewhere else. Unless you have it professionally appraised (at my cost) they would probably write me a check for a couple thousand dollars as it was an 80 year old car.


She suggested Hagerty, all they needed was a picture, a value I put on the car, a locked place to store the car and proof that I owned a daily driver. I was told I could drive it anywhere anytime just so it was not my primary car. $200.00 a year gets me full coverage with a replacement value of $18500.00 and ends up being about half of what State farm was charging with really no coverage at all on your vehicle.

I would advise anyone with State Farm or some other major carrier to ask their agent specifically what will happen if I total my car…you might be surprised at the answer.

dusty
 
Jeff/Illinois said:
You're absolutely right Dusty. Nothing against State Farm they are great for your home and everday auto, but I would seriously check the specialty carriers on auto insurance for your antique cars.

Our Haggerty policy does not specify limited use and you can use the car for any fun driving as long as you prove that you have an everyday driver. Here in Illinois, the cars sit from November to April and you don't have the hassle of calling your agent every spring and fall to 'put the car back on' or 'take the car back off.' Haggerty doesn't care when you use the car, common sense just says around these parts to leave 'em off the road in the winter.

Our '69 Mach 1 was appraised at $36,000 and the coverage is $230 / year, as an example.

You guys can do what you want, but it would behoove you to read what happened to all those folks in Arizona last January who DIDN'T have a specialy insurance carrier. Lots of tears were flowin'.
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Yes, Yes, Yes, State Farm has served me well and I am now 57 years old, but if I had run head-on into a tree and totaled my car I would have been basically out of luck and this was straight from the agent’s mouth. I will reinstate it again, you had better asked the question about your Model A(or whatever) because all agents may not be as informed or as honest as mine. Also a call directly to corporate headquarters might be the best move.
 
Myself, My Dad, and My buddy have Grundy. Have had for quite a few years. My buddy had a claim and had no problems. We do not have daily drivers insured with them. Grundy is well recommended in my book.
 
I have Hagerty, but they do not cover races or "timed events" and the rep specifically said that they would not cover a recent hillclimb. For that I went to my regular insurer, which covers everything, paid for regular coverage, then cancelled after the event and got a refund. This was the regular insurer's agent's idea and I thank him for it.
 
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