Insurance recommendations

[Rich-CO]

Hi all----Need suggestion on companies for insuring a mostly original '32 3w ford.
Thanks,
Rich

[Newc]

Haggerty has a $500 deductable, others don't. Newc

[fordor41]

I've used Hagerty for yrs. 4 claims, quick payment. Last time I put in a claim we hit a deer and totaled out front of our '41 Ford. appraiser was at out house within days , had 10K check in our hands within 2 wks.

[Krylon32]

I've used Grundy for 20+ years with no problems. Have had as many as 6 High end cars with them at once. Never had a claim so have no experience with that.

[ironandsteele]

I have been using Hagerty for years and currently have seven cars and a trailer with them. I have never had a claim but have added and deleted many cars over the years and they have always been very easy to deal with that way.

[FortyNiner]

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Insurance is regulated at the state level which may affect comparisons.

[DavidG]

Also remember that the various names cited are insurance agents, not the companies actually doing the insuring. In my case, nearly sixty years of complete satisfaction with J.C. Taylor.

[GB SISSON]

Been with Hagerty many years, no claims. I pay 400.00 a year for my fleet of 4 jailbar trucks. I also add and delete with some regularity, but the best part is very high quality bi-monthly magazine.

[19Fordy]

I have found that JC TAYLOR rates are much higher that Haggerty.

[TJ]

I have had Grundy for years. Had two claims with them on my two '40 fords from earthquake damage. Adjuster promptly showed up gave an estimate and they sent me a check that covered the damage on both cars. They are now owned by Philadelphia Insurance Company. After they took over I did have one problem as they failed to notify the state of California that I had insurance on my cars. The state held up my registration tags. One call to Grundy and the problem was resolved quickly. I think their rates are very reasonable.

[tubman]

I had Condon & Skelly for over 30 years without a problem or a claim. I couldn't find anyone who had any experience in filing a claim with them, which made me kinda nervous. After a little research, I tried Hagerty, because they seemed to have a very good record servicing claims. I got a quote from them that was literally half of what I had been paying with C&S. I looked over the coverage for a couple of weeks, and when I couldn't find any deficiencies with Hagerty, I switched. So far, so good.

[Kube]

So, you guys that like your company but never had a claim...so the company was super good at invoicing you and accepting payment? I digress.

[cjshaker]

I cancelled my policy with Hagerty this year. Had them for over 20 years and then they tried to screw me.


Story in a nutshell:
Bought policy for a quoted price.
Added another car after a few years...price went up as expected.
Went to cancel 2nd car after selling it....price went up again.
Called to inquire why...they said because I lost my multi-car discount.
Told them to go jump off a bridge and cancelled my policy.


Yes, they jacked the rate after removing a car. Lost "multi-car discount"? Then why did my policy go up when I added the car, and went up even more when I removed it? They just kept repeating "multi-car discount", as if they had no ability to comprehend what I was asking.

[solidaxle]

I use American Collector insurance. it's a stated value policy. One claim 20 years ago and they paid without any problems. If you can live with their restrictions, pleasure driving, parades, club functions, must be garaged, no restaurant parking and mileage limits it's very inexpensive.
If you are going to use your vehicle for everyday, I would go with something more conventional and not chance them rejecting a claim.

[TJ]

Originally Posted by cjshaker

I cancelled my policy with Hagerty this year. Had them for over 20 years and then they tried to screw me.


Story in a nutshell:
Bought policy for a quoted price.
Added another car after a few years...price went up as expected.
Went to cancel 2nd car after selling it....price went up again.
Called to inquire why...they said because I lost my multi-car discount.
Told them to go jump off a bridge and cancelled my policy.


Yes, they jacked the rate after removing a car. Lost "multi-car discount"? Then why did my policy go up when I added the car, and went up even more when I removed it? They just kept repeating "multi-car discount", as if they had no ability to comprehend what I was asking.

It has to do with the amount of exposure to hazards. You are not driving both cars at the same time. One is usually in the garage. Therefore they give you a discount rate on each car based on the fact that there is less exposure to either car. Once you sold a car, now you are driving just one car more often and it is now exposed to more potential hazards. So rates go back up. Most companies will also do that if you have two family cars and one is used less often than the other.

[sugarmaker]

Folks,
Was ready to push the button with Haggerty. I mentioned the truck would be used in my Business as a advertising unit. There was a pause on the other end and they very politely said Mr. Casbohm we won't be able to help you! I have coverage with Erie insurance which also has all my other vehicles and toys.
Regards,
Chris

[fordor41]

with Hagerty your collector car can not be your daily driver. also I believe you must have a daily driver car listed with them

[cjshaker]

Originally Posted by TJ

It has to do with the amount of exposure to hazards. You are not driving both cars at the same time. One is usually in the garage. Therefore they give you a discount rate on each car based on the fact that there is less exposure to either car. Once you sold a car, now you are driving just one car more often and it is now exposed to more potential hazards. So rates go back up. Most companies will also do that if you have two family cars and one is used less often than the other.

You missed the point entirely. The price went up when I added the second car. The price then went up again when I removed it. That makes sense to you?

[STEVE O]

I'm sure several of the companies are like this but State Farm refused to insure my 51 Crosley Super Sports unless I restored it. I told the lady not while I own it. At that time I had insured most of my antique cars with them for over 35 years. Needless to say I no longer have insurance with them Switched all antique cars to Grundy.
Steve

[slowforty]

I had three decent size claims with Grundy with excellent service. Been a customer for 34 years.

[slowforty]

The picture in the avatar was the last claim almost 8000 in damage with no problems. Lady in a Cadillac on a cell phone. Did quite a bit of damage to the Cadillac.

[AnthonyG]

Haggery X 2 , I had Condon & Skelly also for 10 plus yrs. I wanted to take my vehicles to another house I have w no garage & keep there for a couple weeks @ a time but it does have off street parking for several cars. C&S said no, gotta have a garage, called Hagerty & they said no prob & as Tubman said I got a rate significantly lower from them!

[Newc]

My personal problem with Haggerty is their adjuster refused to let me repair the '33 cpe-insisted a TOTAL only and a title seizure! I refused the settlement. Newc

[tubman]

Originally Posted by Newc

My personal problem with Haggerty is their adjuster refused to let me repair the '33 cpe-insisted a TOTAL only and a title seizure! I refused the settlement. Newc

"Newc", this is of interest to me, as I am a Hagerty customer. How did this finally turn out? What did you finally end up with? You had to get something, didn't you.

[B-O-B]

Had Hagerty & when they added roadside service, which I did not request, they went bye bye & as others have done I went with Grundy. Had 2 claims with fast payout to me. When I called to make the claim, they said an adjuster would call which one did the next day. We agreed on the repair amount & when they asked where we send the check I said right here to me, no problem I had a check within a few days.

[GB SISSON]

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Originally Posted by B-O-B

Had Hagerty & when they added roadside service, which I did not request, they went bye bye & as others have done I went with Grundy. Had 2 claims with fast payout to me. When I called to make the claim, they said an adjuster would call which one did the next day. We agreed on the repair amount & when they asked where we send the check I said right here to me, no problem I had a check within a few days.

Hmmmmm , the plot thickens.....

[1940 Convert]

Mine have been insured with State Farm for a long time. The only claim I had was on the 1940 Mercury. The trailer it was in was put in a ditch in an accident. The paid $17K to fix it. I'm still with them for all my cars.

[AnthonyG]

Originally Posted by Newc

My personal problem with Haggerty is their adjuster refused to let me repair the '33 cpe-insisted a TOTAL only and a title seizure! I refused the settlement. Newc

What was the agreed value u signed up for?

[56FordC750COE]

I agree with sugarmaker. I insured with Hagarty because I did not think I had any real choice when it came to my c-750 COE car hauler. They would insure me but would not insure it to tow. Except for the occasional load they also would not let me put anything on it except my own collector/classic cars. I had an opportunity to pick up 2 Ford cars about 90 miles from my house. The COE and a trailer was the obvious way to go. I went with Shelter Insurance Company after a suggestion from a fellow hot rodder. I cancelled my policy for three vehicles with Hagerty. I got a slightly better policy, agreeing also to insure my daily driver. No restrictions on any (except the obvious - racing). They only operate in 15 states but, my COE now does COE things and still wins at car shows!

[tomkc1]

Discussions about insurance companies get my blood boiling! I don't like insurance companies and I think in trying to minimize their risk they take advantage of us. That being said, I had Hagerty for over 15 years, had what I thought were reasonable premiums and I thought their rules for driving my car were fair. Then 2 years ago (2021) my premium went up about 40% in one year. I had never had a claim and drive my car on average about 100 miles a year. I called to complain but to no avail so I switched to Grundy. My new premium with Grundy was less than what I paid with Hagerty in 2020. This is my second year with Grundy and my premium went up about 10%. I hope it levels off in the coming years.
Tom

[TJ]

Unfortunately inflation and the cost of materials and labor at body shops causes premiums to go up. I still think the specialty insurance companies are money savers when compared to using the major companies like State Farm, Farmers, Allstate, etc. You really find out how good a company is when you have to file a claim.

[the.secret.victoria]

This thread is a couple of weeks old now, but I can state that attempting to set up a new multi-vehicle policy with Grundy has been a pain in the ***. Between their barely functional website and continued asking for additional information when the documentation provided has already met the initial requirements really makes me question how they'd respond during/after a claim.

[1940 Convert]

I've had no experience with Grundy claims. State Farm has been pretty good for me but I've heard some pretty bad stories from some. Growing up with three insurance agents in the family I knew to document everything and what to specify in writing the policy originally. That's probably where a lot of the problems people have come from. Insurance companies won't want to pay anymore than they are forced to so make sure you cover your bases from the start. Keep current pictures and be able to produce receipts when asked.

[fordor41]

Originally Posted by 1940 Convert

I've had no experience with Grundy claims. State Farm has been pretty good for me but I've heard some pretty bad stories from some. Growing up with three insurance agents in the family I knew to document everything and what to specify in writing the policy originally. That's probably where a lot of the problems people have come from. Insurance companies won't want to pay anymore than they are forced to so make sure you cover your bases from the start. Keep current pictures and be able to produce receipts when asked.

After we hit a deer with our '41 Ford, Hagerty paid out 10K. after tearing the front down I had a list of items/damage the adjuster missed. Hagerty immediately sent 2K more to cover the damage. after we finished the rebuild I called hagerty and asked them if I needed to send any pics of the completed rebuild. Was told none was needed and never asked for any receipts for any parts.

[TJ]

Originally Posted by the.secret.victoria

This thread is a couple of weeks old now, but I can state that attempting to set up a new multi-vehicle policy with Grundy has been a pain in the ***. Between their barely functional website and continued asking for additional information when the documentation provided has already met the initial requirements really makes me question how they'd respond during/after a claim.

I have never used their website and I have always talked with a real person. I get their name and deal directly via e-mail with them when insuring a new car.