What insurance companies do you all use?

[bigboy620]

I've had AAA say they can't insure my 78. 

[thisismatt]

Geico, liability only.  Tried to put my truck on Hagerty but I was honest about using it as a truck occasionally and they declined my business.

[bigboy620]

8 hours ago, thisismatt said:

Geico, liability only.  Tried to put my truck on Hagerty but I was honest about using it as a truck occasionally and they declined my business.

Alright. Gonna have to save some money with Geico aha. Hagerty is a great price but can only drive it less than 700-1000 miles a year?

[thisismatt]

22 minutes ago, bigboy620 said:

Alright. Gonna have to save some money with Geico aha. Hagerty is a great price but can only drive it less than 700-1000 miles a year?

I don't recall specifics, but they didn't want me using it to haul anything 🤷‍♂️. This was a few years ago when I was annoyed with my Geico rates going up, so I was shopping around. Didn't find anything else cheaper at the time, but everyone's situation may be different.

[thisismatt]

My truck isn't worth a whole lot, but you may want to look for an agreed upon value policy if you're getting full coverage 

[FrankRizzo]

I have all 3 vehicles with AAA including the 620. They dont really do agreed value so when I pressed the question about if the truck was stolen or totaled what was the value that would be paid...they basically said they would look up recent sales and use that as a basis. 

I was not happy with that so I took it off AAA and got an agreed value with Hagerty just for the 620.

 

9 months later I got a letter from AAA saying that they were going to cancel my Auto and Home policies because I had a vehicle (the 620) that was not covered by them. Apparently it is all or nothing with AAA. So I added it back to the AAA policy and figure if something happens im going to have to argue the value...

[thisismatt]

4 hours ago, FrankRizzo said:

I have all 3 vehicles with AAA including the 620. They dont really do agreed value so when I pressed the question about if the truck was stolen or totaled what was the value that would be paid...they basically said they would look up recent sales and use that as a basis. 

I was not happy with that so I took it off AAA and got an agreed value with Hagerty just for the 620.

 

9 months later I got a letter from AAA saying that they were going to cancel my Auto and Home policies because I had a vehicle (the 620) that was not covered by them. Apparently it is all or nothing with AAA. So I added it back to the AAA policy and figure if something happens im going to have to argue the value...

Sounds like good reason to drop AAA.

[bigboy620]

15 hours ago, thisismatt said:

My truck isn't worth a whole lot, but you may want to look for an agreed upon value policy if you're getting full coverage 

To get a good value policy. I would have to get the truck appraised as a classic.

[bigboy620]

14 hours ago, FrankRizzo said:

I have all 3 vehicles with AAA including the 620. They dont really do agreed value so when I pressed the question about if the truck was stolen or totaled what was the value that would be paid...they basically said they would look up recent sales and use that as a basis. 

I was not happy with that so I took it off AAA and got an agreed value with Hagerty just for the 620.

 

9 months later I got a letter from AAA saying that they were going to cancel my Auto and Home policies because I had a vehicle (the 620) that was not covered by them. Apparently it is all or nothing with AAA. So I added it back to the AAA policy and figure if something happens im going to have to argue the value...

Insurance is all about taking our money one way or the other.

[FrankRizzo]

19 hours ago, thisismatt said:

Sounds like good reason to drop AAA.

 

The problem is that I've been with them so long their rates completely stop everyone else, even USAA....

[Stoffregen Motorsports]

On 3/27/2023 at 5:13 AM, bigboy620 said:

Alright. Gonna have to save some money with Geico aha. Hagerty is a great price but can only drive it less than 700-1000 miles a year?

Hagerty won't ever find out.

 

I use Hagerty and Grundy both, but they insist that the vehicle must be kept indoors. If a tree falls on it in a storm, you'd have lots of splainin to do.

[paradime]

I don't know what happened to AAA but in the late 90s their rates/coverage started getting pretty wonky. My wife drove a Honda Accord and I had a Goldwing motorcycle (no coverage) and a '72 VW Westfalia camper van (all with covered parking). Granted, we lived in SF so we paid more. Neither of us had points on our record, but it seemed like once a year we were getting a letter saying we could either pay a higher rate, or our coverage would change. Shit kept ratcheting up so I started looking around and Farmers was much cheeper. I brought this information to my AAA agent's attention and that asshole lowered our rate on the spot with a sheepish look on his face. Needless to say, we moved to Farmers. 

[frankendat]

USAA liability and road side assist (the "free" towing is a nice safety blanket)

[bigboy620]

I will give hagerty a shot. 

[Stoffregen Motorsports]

Hagerty and Grundy will give you a $30k-$40k agreed value with almost no hassle. Above that and they may want an appraisal.

 

My insurance agent friend told me that if I ever get into a fender bender or anything like that, I need to remember to tell the insurer that I was on my way to a club meeting, or a cars and coffee, or a show.

[thisismatt]

Couldn't you also be on your way to a mechanic or to get an oil change?

[Stoffregen Motorsports]

I suppose.

[Farmer]

Geico

 

Hagerty got more expensive the farther I got into the quote

[Stoffregen Motorsports]

I have three vehicles with specialty insurance, and all of them have around $35K agreed value. The cost for each of them is less than $200 per year.

[SWFL]

Progressive through an agent. Basic liability in MI for 2 cars, $500 a year. Perfect driving record. 

[iceman510]

On 3/27/2023 at 9:39 AM, FrankRizzo said:

9 months later I got a letter from AAA saying that they were going to cancel my Auto and Home policies because I had a vehicle (the 620) that was not covered by them. Apparently it is all or nothing with AAA. So I added it back to the AAA policy and figure if something happens im going to have to argue the value...

 

That sounds a bit like extortion to me.  What's the legal basis for this?  When I had a company lease vehicle with company insurance, I had vehicles on different policies.  Allstate never complained.

[Stoffregen Motorsports]

I don't think that is illegal at all. Douchey, yes. Illegal, no.

[FrankRizzo]

On 4/17/2023 at 9:04 AM, iceman510 said:

 

That sounds a bit like extortion to me.  What's the legal basis for this?  When I had a company lease vehicle with company insurance, I had vehicles on different policies.  Allstate never complained.

 

I dont really know. My friggin EQ insurance is not with them, but that did not seem to matter.

.