Best company to insure your Charger with???

[tcs69rt]

Not sure I want to give Hagerty $400+ for 25 grand worth of coverage. Have a neighbor who suggested American Classic Car Insurance. Said he was paying around $235 for same coverage. Any suggestions? Thanks. TC

[Ryan.C]

funny you should mention insurance.....

I just received a quote from american collector ins. $427 a year for 60K coverage. I will be watching to see what others have gotten for a deal.

[Aero426]

Heads up compared, Hagerty has been the highest quote the three times I have shopped for policies.  You think that nice glossy magazine comes fo free?

[Aero426]

Give a call to Lars Anderson at Rally Insurance,  800-801-1823.    He's the independent agent I use near Chicago.    They specialize in classic car insurance, but also handle traditional things like home and auto.   What he will do is get you multiple quotes from the different classic insurance carriers that he reps and you can compare apples to apples.   Very easy process.    Easier than doing it yourself.    

I got three quotes back for my three collector cars in 2013.   We're talking about $120k of agreed value total.  

One was Hagerty,  One was Classic Collectors and the third was American Modern.  The price difference was significant.    Although the agreed value was identical on all three and zero deductible, there are options like spare parts coverage, towing, glass etc that could affect your decision.  

Of the three quotes, I don't have Hagerty because it was so far out of the box.  But my recollection is it was about 40% higher!   I know it was over a grand.  

The American Modern quote was $623 annual  with 0 ded, $2k in spare parts,  $200 towing and glass coverage avail at extra cost.

The Classic Collectors quote was $510 annual with 0 ded,  $500 in spare parts, $100 towing, and full glass coverage.   For me, this was the clear winner.  

I had to supply detailed photos of the exterior, interior and engine compartment of the cars, but did not need an appraisal.      

The point is not what my cost was compared to yours, but that there was a lot of difference in the quotes.     Your pricing is going to depend on the amount of agreed value you want, what state you live, your record, if the car is modified, etc.    

[Dino]

This was over a year ago but my Haggerty policy for a stock car insured for $30K got up well over $400 so I dropped them. I called Grundy and they gave me full coverage with a bunch more options AND for a modified car for around $250. Big difference. I started work on the car at that time so now it's just insured for sitting in the garage by my home insurance. Haggerty gave me great service the one time I called them, but the policy cost went up almost 100% in 3 or so years.

[4mayhemi]

Dumped Haggerty. Went with American Modern. Pay $200 for 25K agreed value.
Seems the "other than Haggerty" companies are very competitive looking for market share and all policies are very similar coverage now.

If you use a broker, be informed and willing to pay their fees for a little legwork you can do yourself.  They're not concerned with cheapest rates for you, they steer toward biggest commissions.

[ACUDANUT]

American collectors ins.

[Aero426]

If you use a broker, be informed and willing to pay their fees for a little legwork you can do yourself.  They're not concerned with cheapest rates for you, they steer toward biggest commissions.

Absolutely not my experience, as detailed above. 

In fact, I was so pleased, I had him quote my home and daily driver auto.  Compared to my existing Allstate policy, the new home and auto pricing through the new carrier was like getting the auto policy free.

[tcs69rt]

DING! DING! We have a winner. Grundy with the same coverages as Hagerty and $194 a year for 25 grand value.

That's a savings of $240 a year, 0 deductible, free towing. 

[pipeliner]

Are some of you under insuring your cars? I'm sure $25K couldn't replace a 69RT if it was a total loss.

[Ryan.C]

Are some of you under insuring your cars? I'm sure $25K couldn't replace a 69RT if it was a total loss.

I was thinking the same thing! But it is not my car either.

[John_Kunkel]

Sometimes you get what you pay for. I had a claim with Hagerty and they didn't cancel me...not so with some others I've had.

[lloyd3]

I had a claim with American Collectors in 2008 and they didn't cancel me. After the car was completed, I increased the insurance to $40K coverage and paid the additional annual fee (~$400).  No complaints here.

[brad mcintyre]

what about guys in Canada

[Draco]

  I have my through Condon Skelly, $335. + 35 for roadside. 50K coverage.

[John_Kunkel]

I had a claim with American Collectors in 2008 and they didn't cancel me.

I didn't want to mention names but they are the one that cancelled me in 2003 on a different claim. (total loss)

[poppa]

Got mine through National Corvette Museum. $35,000 for $337 (agreed). Way more liberal on driving , can take to work 2-3 times a month , I think it's more miles per year too. I got the adder for this. Worth it to me. 

[DixieRestoParts]

Something to consider on those quotes is what does the policy allow, not allow, as well as cover and not cover. That could account for some of your price differences. In my case, I have a car under construction and wanted to insure the value of the car as is, but also, for extra parts. I also have another car, that I wanted to insure the car and extra parts for it. Hagerty was the only company that would allow me to insure for $10,000 of parts for each car. I've been messing with these cars for over 30 years and have a huge amount of parts. $20K doesn't cover it all, but in the event of a total loss, would sure help. Much better than some of the other company's that only allowed $500-2500. Your homeowners would cover some loss, but again, read your policy to understand what they cover. Most people will exceed their homeowners contents coverage will just household items, let alone any car stuff.

It's all about the amount of risk you're willing to take vs. the premiums you're willing to pay. Similar to how the insurance company prices your coverage. How much of a risk are you to them?

it's always good to shop around and price coverage, especially with auto and home insurance. Sometimes it's good to know you're with the right company. Sometimes, it's good to know you need to change. Always check their ratings and reviews. A cheap price won't mean much if you have to fight on a claim later.

[Old Moparz]

I've had Condon & Skelly since 1989 & content with the coverage. I never had to file a claim, but I've never heard anything negative about them before.

http://www.condonskelly.com/

They used to cover cars that were stock only, but now have street rod & modified coverage. I have 5 cars covered, & the annual price is roughly $380.

1968 Charger (In a project state) - Value at $4000
1968 Coronet 500 Convertible (In a project state) - Value at $2500
1969 Satellite Convertible (In a project state) - Value at $6000
1970 Road Runner - Value at $18,000
1971 Scamp Value at $5000

Agreed value coverage with the prices above.

[375instroke]

I've talked to a few of them, and they all require I park in a locked garage, and can't drive to work.

[Dino]

I've talked to a few of them, and they all require I park in a locked garage, and can't drive to work.

Try Grundy, they have an option to drive it as much as you want.

[cdr]

JC Taylor is who I used.

[1974dodgecharger]

625 for American modern insured for 68k with spare parts etc....for the whole year. I have unlimited driving mileage (if I could drive it, lol right now) but they been good to me, but I had no claims except a tow claim when car broke down on the highway (transmission busted)

[morepower]

i have grundy 325 for 40k coverage which im upping to 50k

[moparstuart]

Got mine through National Corvette Museum. $35,000 for $337 (agreed). Way more liberal on driving , can take to work 2-3 times a month , I think it's more miles per year too. I got the adder for this. Worth it to me.  

Me to Adam Boca is fantastic to deal with i Have  60k on the superbird  , 20 k on the hemi rat rod  and 25 k on the barn find charger and its  $466.00 a year now .  I havent had to use it ever but if its good enough coverage for the snooty corvette guys I think its great stuff . adam@corvettemuseum.org