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FRNKNSTNGHIA
Samba Member
Joined: March 05, 2010
Posts: 411
Location: Kissimmee, FL
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 Posted: Fri Apr 18, 2014 11:18 pm Post subject: Who are you using to insure your vehicles? |
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Are you using a classic car insurance company like Hagerty or using a company such as Geico or All-State? Since I've had company car for over 4 years I haven't had to pay for car insurance.... Not sure what direction I should go....
I know if I go classic/collector car insurance its going to be inexpensive but I have mileage restriction...
hmph... |
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J1
Samba Member
Joined: February 10, 2014
Posts: 698
Location: SoCal
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| Posted: Sat Apr 19, 2014 1:11 am Post subject: |
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State Farm, where I have my other cars insured. Came out to about $30/month for full coverage. I have my cars, home, and life all thru them and I like to keep my life simple so didn't bother checking anywhere else. Seemed reasonable enough, but I bet this thread is gonna make me think again.
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1971 Ghia coupe. Assume I know nothing and you'll be pretty darn close to the truth. |
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Samer1275
Samba Member
Joined: July 24, 2011
Posts: 205
Location: Jupiter, FL
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| Posted: Sat Apr 19, 2014 5:13 am Post subject: |
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I have Hagerty. There is no mileage requirement but it cannot be your daily driver. They require verification that you have an insured daily driver alongs side your classic. Also, you have to store your classic in a garage. I think these are the two main requirements.
Hopefully you will not need it, but they guarantee flat bed towing.
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1969 Karmann Ghia Coupe |
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kingkarmann
Samba Member
Joined: November 05, 2003
Posts: 4111
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| Posted: Sat Apr 19, 2014 8:30 am Post subject: |
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^^^
Me too. Very happy.
Plus, they have a nice magazine 
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"Depression is a malfunction of the instrument we use to determine reality.”
Mike Gerson
What is your "Bespoke Reality"? |
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Woreign
Samba Member
Joined: June 04, 2006
Posts: 2841
Location: Crestview FL
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| Posted: Sat Apr 19, 2014 9:04 am Post subject: |
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| Mine is with Progressive with an optional $10K loss coverage. I didn't choose Progressive though, it's the company that my homeowners insurance contracted with. |
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mfitzsimor
Samba Member
Joined: May 09, 2004
Posts: 171
Location: Portland, OR
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| Posted: Sat Apr 19, 2014 9:12 am Post subject: |
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State Farm. No restrictions; my ghia is one of my 2 daily drivers much of the year.
I lost a 69 westfalia once to flooding and though it took quite a bit of research and persistence on my part, they gave me fair claim.
Mark
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portland, or
69 cypress green ghia coupe
82 vanagon TD
86 quantum syncro |
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stanthedog
Samba Member
Joined: October 11, 2006
Posts: 357
Location: Portland,oregon.
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| Posted: Sat Apr 19, 2014 10:27 am Post subject: |
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| Hagerty, they do require it to be garaged, You tell them what your car is worth and that bases what you pay. They also cover all my spare parts in the garage. |
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Greezy Joe
Samba Member
Joined: April 12, 2010
Posts: 1534
Location: Crawfordville, Fl
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| Posted: Sun Apr 20, 2014 6:42 am Post subject: |
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Hagerty on both of mine. Has to be kept in a locked building. You have to send them pics of the inside, the outside, the motor and trunk areas and tell them how much HP  I had to fudge on that part  
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Current:74 Ghia Coupe w/ 2276
71 Ghia Vert w/ 1835
07 GMC Truck
12 Jeep Wrangler
73 Harley FLH 93 cid
89 Harley 883 Sportster (1200)
Owned before: 58, 69 Ghia Coupes, 64 Canvas Sunroof, 68, 72, 73, & 74 Bugs, 63 Single Cab, 65 Bus, 66 & 70 Camper
" Duct tape can't fix stupid, but it'll muffle the sound". |
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mrmdls
Samba Member
Joined: April 27, 2013
Posts: 410
Location: New Brunswick, Canada
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| Posted: Sun Apr 20, 2014 7:37 am Post subject: |
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| Currently, I'm using Progressive, and have full coverage. I have 3 vehicles with them, all full coverage. I am going to be looking at Statefarm and AllState as I was told it was cheaper. |
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vwracerdave
Samba Member
Joined: November 11, 2004
Posts: 15302
Location: Deep in the 405
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| Posted: Sun Apr 20, 2014 8:00 am Post subject: |
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My Ghia is insured through State Farm with full coverage on a standard policy. My fiberglass Dunebuggy is insured with liability only as a 69 VW Bug. There is no way I can ever get back the dollar value I have invested in these cars if it got wrecked. It's a gamble you take in life. Never invest more money into a car then you can afford to loose in a total loss.
Insurance is a total scam. None of the companies are interested in a $25,000 collectable Bug but all of them will be glad to insure your $60,000 1 ton dully diesel pick-up. They can replace your 2007 Honda, but they can not replace your 57 year old dream.
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2017 Street Comp Champion - Thunder Valley Raceway Park - Noble, OK
2010 Sportsman ET Champion - Mid-America Dragway - Arkansas City, KS
1997 Sportsman ET Champion - Thunder Valley Raceway Park - Noble ,OK
Featured in Dec. 2001 HOT VW's Magazine page 63
Watch my racing video's http://www.youtube.com/user/okvwracer/videos |
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my59
Samba Member
Joined: August 13, 2003
Posts: 3790
Location: connecting the dots
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| Posted: Sun Apr 20, 2014 8:21 am Post subject: |
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We have Allstate on the daily drivers and Hagerty's on the old VW's.
Hagerty's does not want you using a camper to camp in, or a pick up to haul things. They do cover spares though- so the photos I sent of the garage interior showed the parts hanging on the walls.
The 'entry age' of Hagerty's is 25, it means neither of my boys are allowed to drive the bus or the beetle.....oh darn! Sorry boys! ;-)
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my59: Well son, my grandfather died before I got to drive it, so does that answer your question?
our79: sunroof bus w/camper interior and 2.0 FI
Other:'12 Jetta, '77 Benz 300D, and a 74 MG Midget. |
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Globespotter
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Joined: February 16, 2012
Posts: 1770
Location: Newmarket, ON
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*Darren
Samba Member
Joined: July 29, 2013
Posts: 917
Location: MD
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| Posted: Sun Apr 20, 2014 10:19 am Post subject: Re: Who are you using to insure your vehicles? |
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| FRNKNSTNGHIA wrote: |
I know if I go classic/collector car insurance its going to be inexpensive but I have mileage restriction...
hmph... |
That may have been the case, but neither Hagerty or Grundy have a mileage restriction. This is what I wrote as far a restrictions of use in the "car insurance frustration" thread from my policy with Grundy
| Quote: |
| I decided to pull out last year's contract & look up the section that is typically the cause for trouble under the auto usage endorsement section 1. Maintained solely for use in exhibitions, parades, club activities, or other functions of public interest 2) is NOT used for regular driving to work, school, errands, shopping, general transportation, secondary or back up transportation, business or commercial purposes, except for limited pleasure use. |
This is pretty standard for collector insurance and am sure that Hagerty has a near identical clause. I assume that using a bus for camping falls under the "general transportation" exception, although what if it an "organized" camping get together? That would seem to fall under "club activities" or "limited pleasure use." |
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[email protected]
Samba Member
Joined: February 12, 2003
Posts: 510
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| Posted: Sun Apr 20, 2014 6:02 pm Post subject: Insurance |
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| I use American Collectors, 208.00 a year for a 15K stated value. |
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Jon Schmid
Samba Member
Joined: May 29, 2012
Posts: 2038
Location: Southern California
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| Posted: Sun Apr 20, 2014 7:12 pm Post subject: Who are you using to insure your vehicles? |
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| Stated or agreed value? |
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