Quote:
Originally Posted by russcc
DavidG had a point that we should all understand. Hagery,Taylor or Grundy are simply special insurance agents that focus on vintage vehicles, and they could use the same insurance company. Grundy uses Philadelphia Indemnity for example. Another important point here is; shop around between them every couple years to keep them honest, and see if someone is offering a lower rate or some other benefit. Familiarity breeds contempt. I have been in the Risk Management field at the fringe of the insurance industry for years, and most insurance is waste of money if you can manage your own risk. How do you replace an original '34 roadster if it is lost. You don't, so insurance money you get for it is useless.
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It seems like you're suggesting not to insure a '34 roadster with collision. Am I reading that right?
I have Hagerty and at Marcus' suggestion just purchased Cherished Salvage Coverage for an additional $24. I don't expect to ever need either coverages but if I do somehow total my Ford and be able to keep it once the insurance pays off seems like a no brainer to me. It like almost getting paid twice. No?
Tom