Hegarty Insurance
 

After reading replies about Insurance. I decided to call Hegarty for a Quote. I told them that I had A 34 Ford three window coupe. Had it for 35 years & was working to get it on the road. Told them that I was only going to drive at the most about 499 miles per year, more them likely 300 miles. Also that I would be the only one that would drive it. I am pushing 83 years old. I told them that it an original car, with upgraded brakes (Lincoln) I also told them that it had a Flathead Engine 59AB That was upgraded to aproxmate 125 HP. I have a friend in Calif with 7 each thirties fords and he pays 1150.00 per year. Hegarty quoted me 580.00 per year, I figured it would be around 300.00 per year. I called my friend and he could not belive it. What do you guys think or know. Thanks Stan

Re: Hegarty Insurance
 

Hi Stan, Just for the sake of the conversation, what agreed value did you give them?

I believe their premium may be more about the value than the miles you're planning on driving it.

Re: Hegarty Insurance
 

Jeff, I told her 50K thought that was on the low side due to the fact that it is an unmolested 3 Window, original paint Etc. Never was modified in any way have had it for 35 Yrs. Stan

Re: Hegarty Insurance
 

Hi Stan, Agreed value insurers don't really care much about the details of the car, they just care about how much you want them to pay off on a total loss. $580 for $50,000 coverage sounds to me like it's in the right ballpark.

I had a policy from them for two cars at about 46K all in for both and my premium was in the $650 range. Since then I actually lowered my value because I estimated I could get a replacement at a lower value for my cars than a few years ago.

Re: Hegarty Insurance
 

And you consider a non original engine and brakes, unmolested or not modified ??

Re: Hegarty Insurance
 

Rates per car come down significantly when you insure multiple cars with one company.

Re: Hegarty Insurance
 

51 Merc, Sorry to me unmoleted means that the car has not been chopped/ channeld /frame cut / holes drilled,Etc. I guess its a matter of opinion. Improving the brakes to me is an inprovement also a 59ab is a big advancment over a 34 engine with babbit bearings. You could be correct the changes I MADE MIGHT BE THE PROBLEM. tHANKS FOR YOUR IMPUT. sTAN

Re: Hegarty Insurance
 

Haggerty quote for 4 vehicles @ 2000 miles per year @ agreed value of $30K each costing me $1200 per year!

Re: Hegarty Insurance
 

Hagerty quoted me $495 per year for 3 vehicles (a '67 Corvette, my '51, and an '84 Fiero) with a total value of $69K on February 1. Now when I go to look at my quote online, the web page errors out. Somethings not right here.

Re: Hegarty Insurance
 

Stan, was that Al Mottas' car. If so, I worked with him in San Francisco and almost bought it prior to you.

Chuck

Re: Hegarty Insurance
 

Chuck, Yes I did buy Als 3 Wdw. I met Al in the late sixties @ a early ford V/8 Meeting in SanLeandro. He told me that he had an unmoleted 34 3Wdw. I told him that I had been looking for one since the late Fifties. He told me that if he decided to sell it he would give me a call. Twenty years later he called and I bought it. I have had it for thirty some years, I am close to eighty three so I decided to get it going. Have been working on it for about one year now. It takes me a lot longer to do what I could do Fifty Years ago. I am doing it like I remember the cars were done in the early Fifties when I was an early teenager.I am manitaining the original paint and whats left of the stripe. Not a total restoration as I want to maintain the original Patina!. Installed 39 Zepher Hydralic Brakes, With a 39 Trans and 3.54 rear gear. It was upholered when I
got it with a Mohair Labaron Bonney kit by a fellow named Kinser in the bay area. The upholstery is in good shape. I am using a 59AB Engine Modified With tube shocks and dropped axel. If you are interested I will send you some photos. Give me your E Mail Adress, Thanks. for the interest. Stan ! 775 265 5333

Re: Hegarty Insurance
 

I'm a little over 300$ (Hagarty) for 40K coverage on my 40, which in comparison to my Chrysler 300 and wife's CRV is a bargain. JMO
Paul in CT

Re: Hegarty Insurance
 

Do some shopping and ask J.C. Taylor for quote with the same details of your intended use and valuation and you'll have a better idea of what the going rate is for insuring your car with your specifics.

Re: Hegarty Insurance
 

I have heard from fellow car guys that Grundy is less expensive. That said, I had a small fire in my 1940 coupe years back and Haggerty treated me fairly, quickly and with no hassles. I am loyal to them for that reason and if its a little more no big deal. I also have the premium package that covers towing I believe up to 60 Miles So It is a good policy. My coupe is no $50K vehicle

Re: Hegarty Insurance
 

Get a quote from J C Taylor ..........

Re: Hegarty Insurance
 

Stan if you have the road service package it adds a to the premium also I’ve Had hagerty For very long time and excellent service good luck

Re: Hegarty Insurance
 

If you're a AAA member, check into their agreed value classic car coverage. I have two vehicles insured with them. The rates are very reasonable and, most importantly, the claim service is excellent.

Re: Hegarty Insurance
 

If it makes you feel any better, the monopolized insurance Corp of BC costs me $1500 cdn(1100usd)per yr for my stock '38 fordor. Thats with no agreed value, strictly scrap price replacement! Needless to say I only insure for 6 months on the road....

Just found out Hagerty offers their services in Canada, online quote with $30k agreed value and 2000miles per yr is $220cdn a year. Will be looking further into it.