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SoquelDude Samba Member
Joined: June 13, 2021 Posts: 143 Location: Samta Cruz, CA
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Posted: Mon Aug 02, 2021 12:16 pm Post subject: What insurance companies are folks using for their Vanagons? |
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Hi!
I want to insure my 1910 Vanagon that has a Subaru 2.2l conversion. I use Nationwide and was told that since the Van was "modified", it would be around $14000. Yikes!!!!
What companies do folks use?
Thanks! |
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Abscate Samba Member
Joined: October 05, 2014 Posts: 22573 Location: NYC/Upstate/ROW
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Posted: Mon Aug 02, 2021 12:20 pm Post subject: Re: What inaurance companies are folks using for their Vanagons? |
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This is one my favourite clouds to yell at. Go back and add CALIFORNIA to your title so that you dont have to read all the repsonses from out of state that will have no relevance to your question.
Dont add CA - thats Canada. Great place, but also only relevant in womens soccer. _________________ .ssS! |
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bobbyblack Samba Member
Joined: May 21, 2015 Posts: 4333 Location: United States, Iowa
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Posted: Mon Aug 02, 2021 12:21 pm Post subject: Re: What inaurance companies are folks using for their Vanagons? |
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Farm Bureau. Liability only. $18/mo. _________________ '87 Westy 'Flossie','86 Westy 'R1','86 tintop GL - Subi2.2 'J2','83.5 stock tintop L 'ZoomBus','74 Karmann Ghia, '63 Notch |
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Ahwahnee Samba Member
Joined: June 05, 2010 Posts: 9776 Location: Mt Lemmon, AZ
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Posted: Mon Aug 02, 2021 12:46 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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What I pay would be pretty much irrelevant as rates depend on coverage, age, driving record, zip code, other lines with the same carrier plus lots of stuff I've forgotten.
I will say I have mine insured with a standard policy from Allstate and when I had a significant claim I was treated very fairly.
That said, for almost any carrier you can find someone who likes them and someone with a sad (or angry) tale to tell.
The lone exception is Hagerty whom I have several other cars with -- I have never heard a word said against them. But the caveat there is whether they will accept your vehicle and whether you can live with what uses they proscribe. |
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4Gears4Tires Samba Member
Joined: October 08, 2018 Posts: 2983 Location: MD
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Posted: Mon Aug 02, 2021 12:53 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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Ahwahnee wrote: |
The lone exception is Hagerty |
And USAA.
I use Allstate RV coverage for my van. Liability. $17/month. Been considering upping the coverage lately. _________________ '87 Syncro
Ferric Oxyhydroxide Superleggera Edition |
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fxr Samba Member
Joined: December 07, 2014 Posts: 2301 Location: Bay area CA
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Posted: Mon Aug 02, 2021 1:47 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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We have an agreed value of 26,500 with Safeco for (IIRC) ~560 pa. One of the few insurances I'm comfortable with paying! _________________ Jim Crowther
1984 1.9l EJ22 Westy Wolfsburg Edition
Vespa GTS 300 |
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16CVs Samba Member
Joined: February 22, 2004 Posts: 4020 Location: Redwood City, California
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Posted: Mon Aug 02, 2021 2:09 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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I'd say that's expensive for a 111 YO van. I don't know why it matters what it is powered by or that I would mention it. They are not insuring the drivetrain, they are insuring your liability in case of an accident. Seems funny to me.
Stacy _________________ 1987 Syncro Westfalia Triple knob (bastard)
1989 Syncro Tristar Triple knob "Swedish"
2013 Jetta Hybrid a true "Zwitter"
Samba member # 14980
Call anytime number 650 722 4914 .
Keep Your van running and upkept tastefully for the love of the hobby.
Don't let your van end up in an "abortions" thread. |
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fxr Samba Member
Joined: December 07, 2014 Posts: 2301 Location: Bay area CA
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Posted: Mon Aug 02, 2021 3:18 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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16CVs wrote: |
I'd say that's expensive for a 111 YO van. I don't know why it matters what it is powered by or that I would mention it. They are not insuring the drivetrain, they are insuring your liability in case of an accident. Seems funny to me.
Stacy |
Not just liability, but full compensation without argument in case of it being written off. Just liability would be quite a bit cheaper, and so would the usual 'fully comprehensive' which would only give market value - and that would take loads of hassle to agree on a sensible figure should the worst happen. _________________ Jim Crowther
1984 1.9l EJ22 Westy Wolfsburg Edition
Vespa GTS 300 |
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Bing! Samba Member
Joined: June 28, 2021 Posts: 53
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Posted: Mon Aug 02, 2021 4:55 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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This is the point that you need to sit face to face with an insurance agent and have an “agreed” value assessed. |
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Ahwahnee Samba Member
Joined: June 05, 2010 Posts: 9776 Location: Mt Lemmon, AZ
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Posted: Mon Aug 02, 2021 5:05 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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fxr wrote: |
16CVs wrote: |
I'd say that's expensive for a 111 YO van... |
Not just liability, but full compensation... |
I think Stacy was too subtle for you as he appears to be addressing the OP's post to wit:
It is a 1910 Vanagon
The insurance quote was $14,000 |
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mikemtnbike Samba Member
Joined: March 26, 2015 Posts: 2780 Location: North Carolina
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Posted: Mon Aug 02, 2021 5:35 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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I’m confused. Are you saying they want to charge you 14000 per year for insurance or charge you as if your van is worth 14k? The latter is a good deal the former is freaking ludicrous IMO. _________________ 1991 Vanagon GL 2.1 AT Westfauxlia. "Frankie" Totaled https://www.thesamba.com/vw/forum/viewtopic.php?t=764510&highlight=carnage
1995 Eurovan Camper "Marzivan"
2020 GTI SE manual |
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fxr Samba Member
Joined: December 07, 2014 Posts: 2301 Location: Bay area CA
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Posted: Mon Aug 02, 2021 6:32 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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Ahwahnee wrote: |
fxr wrote: |
16CVs wrote: |
I'd say that's expensive for a 111 YO van... |
Not just liability, but full compensation... |
I think Stacy was too subtle for you as he appears to be addressing the OP's post to wit:
It is a 1910 Vanagon
The insurance quote was $14,000 |
:facepalm: Yup, missed that! Sorry Stacy! _________________ Jim Crowther
1984 1.9l EJ22 Westy Wolfsburg Edition
Vespa GTS 300 |
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dieseltdi Samba Member
Joined: September 07, 2006 Posts: 537 Location: Grapevine, Texas
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Posted: Mon Aug 02, 2021 7:06 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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Just insured my 82 Westy TDI conversion with Hagerty for about $250 per year for $20000 agreed value. Switched my 57 oval window at the same time for about the same amount but with $25000 agreed value. |
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AndyBees Samba Member
Joined: January 31, 2008 Posts: 2312 Location: Southeast Kentucky
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Posted: Mon Aug 02, 2021 7:33 pm Post subject: Re: What inaurance companies are folks using for their Vanagons? |
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bobbyblack wrote: |
Farm Bureau. Liability only. $18/mo. |
I've been with Farm Bureau over 50 years ....... home and all my fleet!
Liability only on my Vanagons! .......... been that way for years and years!
I hit a deer last November at 70 MPH (on cruise) with my 2011 Tiguan... $5400 damage to the right front (airbags did not deploy), $1000 deduct .......... Looks as good as new! _________________ '84 Vanagon Tin-top, ALH TDI. 1989 Tin-top
1983 Air-cool, 225k miles, 180k miles mine. Seven trips to Alaska from 1986 thru 2003. |
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kamzcab86 Samba Moderator
Joined: July 26, 2008 Posts: 7893 Location: Arizona
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Posted: Mon Aug 02, 2021 7:51 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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Just switched from Progressive (stated value) after about 8 years to Auto-Owners (agreed value). Looked into Hagerty, but they had usage limitations, which weren't going to work for my camper van. _________________ ~Kamz
1986 Cabriolet: www.Cabby-Info.com
1990 Vanagon Westfalia: Old Blue's Blog
2016 Golf GTI S
"Real knowledge is to know the extent of one's ignorance." - 孔子 |
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gtinseth Samba Member
Joined: July 25, 2019 Posts: 76 Location: NW California
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Posted: Mon Aug 02, 2021 8:38 pm Post subject: Re: What insurance companies are folks using for their Vanagons? |
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fxr wrote: |
We have an agreed value of 26,500 with Safeco for (IIRC) ~560 pa. One of the few insurances I'm comfortable with paying! |
Also with Safeco at $30k for the 87 Syncro tintop. They ask that you prove it lives in a garage and wanted a bunch of pictures to prove it as well to show the van condition. For full coverage in California it is about $1500. |
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Abscate Samba Member
Joined: October 05, 2014 Posts: 22573 Location: NYC/Upstate/ROW
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Posted: Tue Aug 03, 2021 4:20 am Post subject: Re: What insurance companies are folks using for their Vanagons? |
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gtinseth wrote: |
fxr wrote: |
We have an agreed value of 26,500 with Safeco for (IIRC) ~560 pa. One of the few insurances I'm comfortable with paying! |
Also with Safeco at $30k for the 87 Syncro tintop. They ask that you prove it lives in a garage and wanted a bunch of pictures to prove it as well to show the van condition. For full coverage in California it is about $1500. |
Man, I’m in the wrong business.
Insuring amaximun 30k liability for 1500 cash with average age payout of 17 years works out to a profit margin of 39% _________________ .ssS! |
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bobbyblack Samba Member
Joined: May 21, 2015 Posts: 4333 Location: United States, Iowa
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Posted: Tue Aug 03, 2021 7:19 am Post subject: Re: What insurance companies are folks using for their Vanagons? |
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Abscate wrote: |
Man, I’m in the wrong business.
Insuring amaximun 30k liability for 1500 cash with average age payout of 17 years works out to a profit margin of 39% |
Ya, but insurance is a total scam, legal, yes, but it is a scam, and everybody knows it. That is why there is always at least one party who is upset with the 'system' when a collision or other 'accident' happens.
I have full coverage insurance on new (to me) vehicles if I have to per my loan agreements, otherwise I have the lowest insurance allowed by Law. I drive responsibly all the time, in whatever vehicle I am in, and most likely case of getting in accidents would be due to other drivers messing up. I have multiple cameras to back me up.
For those considering a career in Insurance, how would you sleep? _________________ '87 Westy 'Flossie','86 Westy 'R1','86 tintop GL - Subi2.2 'J2','83.5 stock tintop L 'ZoomBus','74 Karmann Ghia, '63 Notch |
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skemems Samba Member
Joined: February 23, 2017 Posts: 200 Location: Portland
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Posted: Tue Aug 03, 2021 8:52 am Post subject: Re: What insurance companies are folks using for their Vanagons? |
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bobbyblack wrote: |
Ya, but insurance is a total scam, legal, yes, but it is a scam, and everybody knows it. That is why there is always at least one party who is upset with the 'system' when a collision or other 'accident' happens.
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Scam, hardly. Talk to those who homes were lost due to forest fires, those who need medical treatment and pay health insurance. Ask them if they felt "scammed" by insurance. Same applies to auto insurance.
If you dont want to auto pay insurance, some states allow self insuring, getting a surety bond, etc. I dont see anyone going that route.
Back to the subject - go with any company that will insure for "agreed value", this way there is no questions what you will get for your vanagon. Many companies offer this, Safeco and hagerty (non westies) among others. |
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Ahwahnee Samba Member
Joined: June 05, 2010 Posts: 9776 Location: Mt Lemmon, AZ
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Posted: Tue Aug 03, 2021 9:02 am Post subject: Re: What insurance companies are folks using for their Vanagons? |
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bobbyblack wrote: |
...insurance is a total scam... |
Health insurance? Perhaps you've never known someone financially destroyed by an illness.
Homeowners? Ever seen the results of a hurricane. tornado or wildfire?
Life? Income protection for a young family who loses their breadwinner.
I'll grant you that dental coverage is really pre-paid dental and extended warranties on products makes little sense -- but not all insurance is a scam.
As for collision coverage on vehicles - counting on your savings or the other guy's insurance is a risk some will take and some want to lay off.
For a major loss there's always the GoFundMe route. |
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