Classic car insurance?

Motornoggin · 11-15-2009, 07:08 PM

I have been looking for classic car insurance lately and I can't believe what a pain it's been...

Got quotes from several different companies and half are in the $130/140 range and the others are in the $170/180 range. It's not a lot of money, but I'm wondering why the $40 difference? I specified the same coverage across the board.

Anyone like a particular company? Why?

I checked:

Hagerty
Heacock
JC Taylor
Chubb
Grundy
American Classic
Classic Insurers
Condon & Skelly

I've used Condon & Skelly extensively (25 different cars and as many as 12 at a time) in the past and liked their service, but never had to make a claim. I haven't had a car insured with them in at least ten years, so I don't know how they are these days.

I would appreciate any info.

Vbird · 11-15-2009, 07:27 PM

I have Hagerty on mine. Only require that the cars are in a locked garage and that you have an "everyday" car covered by normal insurance.
Local agent (that covers my bikes) is a rep for them. I like dealing with a real person. Never had to file a claim though.

jdiaz · 11-15-2009, 07:55 PM

I asked all these questions in a similar thread here about six months back, and ended up going with American Classic. Hagerty wouldn't touch our camper and Grundy was a bit more expensive, IIRC.

Motornoggin · 11-15-2009, 08:10 PM

Quote:

Originally Posted by jdiaz

I asked all these questions in a similar thread here about six months back, and ended up going with American Classic. Hagerty wouldn't touch our camper and Grundy was a bit more expensive, IIRC.

American Classic is one of the higher priced policies ($170), but if they are a good compay it's worth it.

I just checked Leland West and they wanted over $500 and that was with a deducatable...

71olds · 11-15-2009, 08:21 PM

I have Hagerty Have had them for 10 years I checked a year or 2 ago & JC Taylor was a little cheeper but I have had no issues with Hagerty (also no claims) so just stuck with it
I pay a little over 300 for both my cars

71 Olds Cutlass 455

83 911 Turbo look cab

Mista Vern · 11-16-2009, 01:41 PM

Nice wheels 71 olds!

Glad I found this thread, as I am restoring a 68 Ford truck and didn't know about the various companies.

redseca2 · 11-16-2009, 02:23 PM

I have found extreme limitations on maximum annual mileage that I couldn't live with and ended up with a 47 year old Mercedes on "regular" insurance.

You want to make sure your agent has a copy of any appraisals you have available.

cagiva549 · 11-16-2009, 02:44 PM

I have ins with J C Taylor , 60 bucks a year for my 82 el camino , no problums , no issue , pay them eack year and its covered . SEYA

FPGT72 · 11-17-2009, 06:20 AM

I have my 67 Triumph GT6, 72 Opel GT street car, and the 72 Opel GT GTL race car all with my regular insurance. They are all set to an agreed value, and the rates are pretty darn good. They do require them to be inside, have a "regular" car that is the every day car and in the case of the race car it is covered everywhere execpt the track...even the false grid. When the Fiat gets done I will insure it with them as well.

You might check with your normal insurance company, they might have coverage for classic cars as well.

Gummee! · 11-17-2009, 06:32 AM

American National has a classic/hotrod policy called Chrome. Seemed OK when I was interviewing with em, but I didn't get into pricing

M

CGH · 11-17-2009, 06:32 AM

Quote:

Originally Posted by Motornoggin

I have been looking for classic car insurance lately and I can't believe what a pain it's been...

Dude, I know your '76 Caprice says "Classic" on it, but that doesn't mean...

Motornoggin · 11-17-2009, 11:35 AM

Quote:

Originally Posted by CGH

Dude, I know your '76 Caprice says "Classic" on it, but that doesn't mean...

It's a donkin' whip, yo. Rollin' on 26" wires, werd.

Vbird · 11-17-2009, 07:53 PM

Quote:

Originally Posted by FPGT72

You might check with your normal insurance company, they might have coverage for classic cars as well.

I did that for years with my normal insurance (Nationwide). Was paying almost 4 times as much for the same coverage on my '55 Bird (Hagerty).

Motornoggin · 11-17-2009, 08:16 PM

I just applied with Hagerty.

Why? Bascially because they had the easiest to follow ONLINE application. They made it easy for me.

They have pretty much the same coverage as the rest, not a whole lot of difference that I can see.

Sasquatch · 11-18-2009, 07:23 AM

I have had Hagerty for years. No claims so far, but the price is good, they answer phone calls, and seem reasonable. I dont mind the mileage restrictions since I dont get anywhere near them anyway.

11-15-2009, 07:08 PM	#1
Motornoggin ^OP Two-Bit Throttle Bum Joined: Feb 2004 Location: Lightning Bugs, High Plains Chapter Oddometer: 20,550	Classic car insurance? I have been looking for classic car insurance lately and I can't believe what a pain it's been... Got quotes from several different companies and half are in the $130/140 range and the others are in the $170/180 range. It's not a lot of money, but I'm wondering why the $40 difference? I specified the same coverage across the board. Anyone like a particular company? Why? I checked: Hagerty Heacock JC Taylor Chubb Grundy American Classic Classic Insurers Condon & Skelly I've used Condon & Skelly extensively (25 different cars and as many as 12 at a time) in the past and liked their service, but never had to make a claim. I haven't had a car insured with them in at least ten years, so I don't know how they are these days. I would appreciate any info. __________________ *O.K. Joke's over. You can bring back the constitution now. Please.* My Wyoming has an East infection. http://motornoggin.smugmug.com

11-15-2009, 08:21 PM	#5
71olds Motorholic Joined: Mar 2008 Location: Morris Plains NJ Oddometer: 1,004	I have Hagerty Have had them for 10 years I checked a year or 2 ago & JC Taylor was a little cheeper but I have had no issues with Hagerty (also no claims) so just stuck with it I pay a little over 300 for both my cars 71 Olds Cutlass 455 83 911 Turbo look cab __________________ 08 Kawasaki ZX14 08 Husqvarna TE510 05 Honda VTX1800C 00 Suzuki DRZ400S

11-16-2009, 01:41 PM	#6
Mista Vern Knows all - tells some. Joined: Dec 2005 Location: McMinnville, Oregon Oddometer: 12,972	Nice wheels 71 olds! Glad I found this thread, as I am restoring a 68 Ford truck and didn't know about the various companies. __________________ - "The turd follows the fart as surely as the rain follows the plow." Emily Bronte

11-16-2009, 02:44 PM	#8
cagiva549 whats a cagiva Joined: Oct 2004 Location: Cypress Tx Oddometer: 2,454	I have ins with J C Taylor , 60 bucks a year for my 82 el camino , no problums , no issue , pay them eack year and its covered . SEYA __________________ David H 00 Cagiva GC 04 9 fiddy 05 ST3 duck 07 KTM 450 EXC 86 Goldwing my geezer ride

11-17-2009, 06:20 AM	#9
FPGT72 Beastly Adventurer Joined: Oct 2006 Location: Kingsville MO Oddometer: 4,021	I have my 67 Triumph GT6, 72 Opel GT street car, and the 72 Opel GT GTL race car all with my regular insurance. They are all set to an agreed value, and the rates are pretty darn good. They do require them to be inside, have a "regular" car that is the every day car and in the case of the race car it is covered everywhere execpt the track...even the false grid. When the Fiat gets done I will insure it with them as well. You might check with your normal insurance company, they might have coverage for classic cars as well. __________________ [FONT='Arial','sans-serif']Calling an illegal alien an 'undocumented immigrant' is like calling a drug dealer an 'unlicensed pharmacist[/FONT]

11-15-2009, 07:27 PM	#2
Vbird Studly Adventurer Joined: Dec 2006 Location: N.C. Oddometer: 701	I have Hagerty on mine. Only require that the cars are in a locked garage and that you have an "everyday" car covered by normal insurance. Local agent (that covers my bikes) is a rep for them. I like dealing with a real person. Never had to file a claim though.

11-15-2009, 07:55 PM	#3
jdiaz . Joined: Feb 2002 Location: Elburn, IL Oddometer: 31,202	I asked all these questions in a similar thread here about six months back, and ended up going with American Classic. Hagerty wouldn't touch our camper and Grundy was a bit more expensive, IIRC.

11-16-2009, 02:23 PM	#7
redseca2 Beastly Adventurer Joined: Mar 2003 Location: San Francisco Oddometer: 1,262	I have found extreme limitations on maximum annual mileage that I couldn't live with and ended up with a 47 year old Mercedes on "regular" insurance. You want to make sure your agent has a copy of any appraisals you have available.

11-17-2009, 06:32 AM	#10
Gummee! That's MR. Toothless Joined: May 2004 Location: NoVA for now... Oddometer: 25,901	American National has a classic/hotrod policy called Chrome. Seemed OK when I was interviewing with em, but I didn't get into pricing M __________________ There. I've moved back to VA. Can you PLEASE change the weather?!

11-17-2009, 08:16 PM	#14
Motornoggin ^OP Two-Bit Throttle Bum Joined: Feb 2004 Location: Lightning Bugs, High Plains Chapter Oddometer: 20,550	I just applied with Hagerty. Why? Bascially because they had the easiest to follow ONLINE application. They made it easy for me. They have pretty much the same coverage as the rest, not a whole lot of difference that I can see. __________________ *O.K. Joke's over. You can bring back the constitution now. Please.* My Wyoming has an East infection. http://motornoggin.smugmug.com

11-18-2009, 07:23 AM	#15
Sasquatch Beastly Adventurer Joined: Aug 2003 Location: Boise, Idaho Oddometer: 4,770	I have had Hagerty for years. No claims so far, but the price is good, they answer phone calls, and seem reasonable. I dont mind the mileage restrictions since I dont get anywhere near them anyway. __________________ Sasquatch

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