What insurance Co do you use?

3

31 Pickup

Member
Getting ready to license and insure my pick up
Been poking around on the web (Hagarty & Grundy) seeing BIG difference in rates (like 50%)
Who do you use?
I haven't checked with my personal car insurance agent yet to see what they offer
Wanted to see what experiences (good and bad) Barners have had
Thanks
 
31 Pickup said:
Getting ready to license and insure my pick up
Been poking around on the web (Hagarty & Grundy) seeing BIG difference in rates (like 50%)
Who do you use?
I haven't checked with my personal car insurance agent yet to see what they offer
Wanted to see what experiences (good and bad) Barners have had
Thanks
Click to expand...

Grundy, I have three cars insured with them. My Dad uses Grundy, My buddy uses them also. He had a claim, no questions asked, they paid the bill. I also have State Farm, been with them for 48 years. Grundy has a replacement value, Libility coverage, etc. and it is still cheaper by half as to State Farms PLPD. You need to have historical plates to get the lower premium.
 
State Farm here also, and if you have not yet done so, get a quote on bundling your homeowners, cars and all insurance though one agency. Another thing State farm has is insurance based upon the miles one drives. My wife puts on less than 5000 miles a year and get a significant discount... you just have to report your milage every six months
 
I have both Grundy and Hagerty, depending on the car. Grundy is priced better for a completed car, but they wouldn't insure my project '36, for that Hagerty is my choice. Some have said that Grundy will insure a project (disassembled) car, but when I've asked if they disclosed that it was disassembled I've never gotten a reply. When I disclosed to Grundy they told me "absolutely not". Which brings up another commentary about relying on others for pricing info. Insurace is rated based on claims experience with similar vehicles, state and local rider requirements, AND geographic location. The identical car in Podunck, Iowa won't likely be priced the same in Los Angeles, best you request figures for your locale (as it sounds you have).

Also, if you go outside the specialty guys, make sure that the policy is for "Agreed Value", not "Stated Value". Many make the mistake of taking those terms as interchangable. A policy is a contract, and contract verbage has specific meaning. The primary difference between those two terms is in how settlement (if necessary) value is calculated. In "Agreed Value" if you pay for $10000 of value, they will settle for a total loss value of $10k. At "Stated Value", if total loss settlement is needed, the starting point is $10k, then depreciation is applied per the contract terms, and you receive something less than the stated amount.
 
Compare the details with your situation. I used State Farm for many years because they would insure my teenage sons. I switched to Grundy years later because they are cheaper with multiple cars and have no mileage limits. They are death on teenagers but I no longer have any. Some have restrictive mileage limits, some have storage requirements. Remember price is not the only issue so check that the fine print matches your use. All of the special antique policies have usage requirements so if you plan to drive it to work you need regular insurance.
 
www.jctaylor.com I use JC Taylor. My 29 Sedan I value at $12000 and have full coverage, no deductable and I pay $109 per year. It's amazingly cheap. I have progressive insurance for the rest of my modern vehicles but they were $100 / month for the model A.
 
For years i had J.C.Taylor for my last 4 Model "A''s with no problem ,because there was no problem ever the need to use them [Thank God:D].So when the time came to insure my 180A minus the interior and rag top to make the trip to Bill Sturm's place ,J.C.Taylor said "NO" only a complete car.....So making such a trip bother me.. 22 hour drive one way...And so i called HAGARTY ..Same rate and was covered within a day. sent pictures of what i had and HAGARTY had "no" problem at all. So J.C.Taylor lost a past client of 20 years .PROGRESSIVE INS.i will not deal with..OWNER HAS BAD POLITICAL CONNECTION.:eek: Sorry and i won't go there!!!!!!Not on this site.:):rolleyes::cool:
 
I used Hagerty for many years, good people and had no problems. For the last two years I have used Grundy. Grundy has less restrictions on miles and general use of the model A. For instance If I decide to go to the hardware store and use the A for transportation, that is OK, not so with Hagerty. As an added bonus, Grundy is a little less expensive than Hagerty for the same coverage. State Farm is good for home insurance and modern cars that are used for primary transportation or vehicles that are being financed. The problem with companies like State Farm is they don't specialize in antique collector cars. They don't offer agreed value insurance. If an accident occurs, you will be dealing with an adjuster and your car will be depreciated in value instead of agreed value. I repaired lots of vehicles for State Farm when I was in the colision business. I preferred doing business with them because they were very quick to issue a check to me and the owner of the vehicle, no three party checks. The main problem with State Farm is they will have a fairly strict limit on milage and NO agreed value. They usually require three estimates and will only pay low estimate price. The adjuster calls the shots and will usually try to cut the price of the low estimate. When the adjuster gets through cutting prices and depreciating the car you will most likely come out at a loss. If you don't have your home and primary use vehicles insured with them it is not likely that they would insure your model A.
 
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I've been with State Farm since 1965. Only a few small househould claims but what agent you have is important. My agent allows me to call in and tell them I want to take vehicle off the road for awhile(policy reduction). Then call in to take to a show and back, garage and back, etc. One vehicle I drive a lot, the other is stored most of the time but needs to be driven occasionally for maintenance. They do ask for milage sometimes to make sure I'm not abusing the privlidge. I have multiple policies and that helps. I just hope you never have a claim no matter what insurance co you have.
P.S. I put a third brake/turn signal bar in rear window, seat belts, etc. The safer you make your vehicle, the less chance of problems.
Just my opinion.
 
State Farm since 67. One claim on uncompleted woody, no problem. Even allowed me to do labor and they paid for parts. Really liberal when replacing parts, such as, good bumper clamps to replace the lousy cast clamps, new fenders and ss bumpers.
 
Infinity;

Independent auditor A.M. Best gives Infinity Auto Insurance an A rating for financially stability. This means they consider it a strong company that can pay its claims. One specialty that Infinity prides itself on is non standard auto insurance. Non standard coverage is for classic collectors, specialty cars, or those who are at high risk because of a poor driving record
 
Allstate for all 4 of my vehicles. The "A" has an $15k Agreed value, and is $10/month while in storage during the winter, $100/month when driving it. A simple call to the agent switches it. They also have my home and rental property.
 
I DO NOT RECOMMEND HAGERTY, I currently have Hagerty, they just pulled a smoke and mirrors on me with agreed value this week. I am so pissed.
 
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