Car Insurance

Discussion in 'The Bench' started by Gulfgears, Feb 16, 2019.

  1. Gulfgears

    Gulfgears Gulfgears

    I'm going to try again to find cheaper insurance!
    Somebody recently said that Hemmings or Hagerty would insure cars that were parked under a carport for an additional charge. Any truth to that?
    I hate to go through the vetting process with the insurance companies only to be turned down because of the the carport thing, especially when I know of at least two cars that "kept in a garage" but in reality are kept at a different location in a carport.
    Not going to be deceiving, so that's not an option.
    State Farm is just gouging the pee out of me and I'd like to find something cheaper.
    Thanks
     
  2. PGBuick

    PGBuick Well-Known Member

    Call Hagerty and talk to them about your situation.
     
  3. it appears Heacock Classic doesn't require a garage.
     
  4. Brad Conley

    Brad Conley RIP Staff Member

    I urge you to use Hagerty. Look up DJ GTO's and ask Dan his experience with Hagerty and their claim service. He's a client of mine and into GTO's really deep, selling parts, etc. too.

    There really is a difference in service. It's not all just about price.
     
  5. Quick Buick

    Quick Buick Arlington Wa

    I deal with farmers on my home & auto,, Go see my agent He sells me Hagerty.

    FWIW. 3 sided carport..
     
  6. My3Buicks

    My3Buicks Buick Guru

    Ask the people that have had claims for opinions, the others are WORTHLESS
     
    BUQUICK likes this.
  7. Gulfgears

    Gulfgears Gulfgears

    I will be making calls on Monday and will let you know my findings.
    State Farm is the gold standard I know, but it's costing me too much gold for a toy.
     
  8. Ryans-GSX

    Ryans-GSX Have fun, life is short.

    This is good advice that I also agree 100% with.


     
  9. Brad Conley

    Brad Conley RIP Staff Member

    I wouldn’t say that given my 38 years in the industry. Ask them if there would be a loss will they pay you the agreed value or the stated value. Then make them put that statement in writing. You’ll need it when you end up in court. Unless things have changed recently, State Farm is a stated value policy. You want an agreed value policy. Huge difference between the two.
     
    Smokey15 and Quick Buick like this.
  10. My3Buicks

    My3Buicks Buick Guru

    State Farm is NOT the Gold standard in Collector car insurance. I have had State Farm my entire life for home and regular auto but wouldn't even consider them for my collector cars
     
    cjp69, corkgs and 1973gs like this.
  11. flynbuick

    flynbuick Guest

  12. My3Buicks

    My3Buicks Buick Guru

    We are talking classic/collector insurance, the top ranked companies have little to do with which company will give you the best insurance for our collector cars. Kind of like going to the best general practitioner in town for brain surgery, he might be able to do the job but you will probably regret it when you can't tie two words together in a sentence.
     
    Smokey15 likes this.
  13. flynbuick

    flynbuick Guest

    Hagerty would be top dog in the collector car, specialty insurance market. Like most in the specialty insurance field, they managed the underwriting and the claims. They are not the carrier in the risk. Hagerty uses Esurance which is owned by Allstate.
     
  14. Quick Buick

    Quick Buick Arlington Wa

    I thought there is one that is actually better than Hagerty for collector type car.. Unfortunately their name slips my mind. But then again it probably costs more than the average collector needs..
     
  15. dl7265

    dl7265 No car then Mopar

    yeah ,CHUBB. No slight on hagerty at all, but I got better rates and coverage AND most importantly took great care of me when I had a claim. They insure the biggest collections in the world to pee on's like me :D . I'd get quotes from both.

    DL
     
    GranSportSedan and Quick Buick like this.
  16. My3Buicks

    My3Buicks Buick Guru

    Curious as to what way did you get better coverage?
     
  17. Quick Buick

    Quick Buick Arlington Wa

    Dang. My boat is insured by CHUBB....

    Thank you.............
     
    dl7265 likes this.
  18. stangman

    stangman Well-Known Member

    A have a 72 GS 350 with Hagerty. I have it insured at $25,000 if it’s a loss. Maybe overkill but with the price of replacement parts I want it paid for. $440 a year and that’s with the Hagerty premium care or whatever they call it.
     
  19. dl7265

    dl7265 No car then Mopar

    More coverage and lower price. Also, there were some other perks, no mileage limits, towing package ,ect.

    DL
     
  20. gstewart

    gstewart Well-Known Member

    Been with Hagerty for many years.
     

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