Best company to insure your Charger with???

[toocheaptosmoke]

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.

Do they strictly go off agreed upon value or is there an appraisal along with it?


I have my '70 through Erie, couldn't use Hagerty or the likes because the same thing, no locked garage, driving to work, no newer primary vehicle, etc.    I pay ~350 a year for full coverage at what used to be an agreed upon value (15k), however the car also had to be appraised.  It "passed" that appraisal a few years ago and has since had a lot of new parts thrown at it.  This season I wanted to up the agreed upon value to 20k just because of what prices are doing, they had my car re-appraised and rejected the 20k and valued it at 16.5k.  So now I'm stuck with that unless I switch...  The only good thing with the Erie policy is there's basically no restrictions on anything, you can drive it like a regular car.

[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.

Do they strictly go off agreed upon value or is there an appraisal along with it?


I have my '70 through Erie, couldn't use Hagerty or the likes because the same thing, no locked garage, driving to work, no newer primary vehicle, etc.    I pay ~350 a year for full coverage at what used to be an agreed upon value (15k), however the car also had to be appraised.  It "passed" that appraisal a few years ago and has since had a lot of new parts thrown at it.  This season I wanted to up the agreed upon value to 20k just because of what prices are doing, they had my car re-appraised and rejected the 20k and valued it at 16.5k.  So now I'm stuck with that unless I switch...  The only good thing with the Erie policy is there's basically no restrictions on anything, you can drive it like a regular car.

No appraisal afaik. They gave me a price based on agreed upon value. I'm sure I'll be quoted more when I actually need a new policy but I'm sure it'll still be way less than Hagerty.

[Troy]

I have Grundy - and have had them since I finally got driveable cars about a decade ago. My biggest complaint is that my premiums have gone up, on average, 20% per year (in years where I have made no changes). So, at this point, I am paying more than double as what I was paying originally. They do automatically increase the agreed value by $1,000 per year but if you do the math that's still way in their favor. They don't have a lot of restrictions - other than the storage requirements - and I did not need appraisals for any of the cars. Just like home and regular auto policies it seems like you have to switch providers every few years to keep the price in line.

I do like Hagerty because they will insure cars under restoration - but they also want an "expected completion date" which doesn't really work for me.

Troy

[Dino]

I have Grundy - and have had them since I finally got driveable cars about a decade ago. My biggest complaint is that my premiums have gone up, on average, 20% per year (in years where I have made no changes). So, at this point, I am paying more than double as what I was paying originally. They do automatically increase the agreed value by $1,000 per year but if you do the math that's still way in their favor. They don't have a lot of restrictions - other than the storage requirements - and I did not need appraisals for any of the cars. Just like home and regular auto policies it seems like you have to switch providers every few years to keep the price in line.

I do like Hagerty because they will insure cars under restoration - but they also want an "expected completion date" which doesn't really work for me.

Troy

Well dangit. The whole reason I cut Hagerty loose is because of their annual price hikes! Looks like that's gonna happen no matter what...

[moparstuart]

I have Grundy - and have had them since I finally got driveable cars about a decade ago. My biggest complaint is that my premiums have gone up, on average, 20% per year (in years where I have made no changes). So, at this point, I am paying more than double as what I was paying originally. They do automatically increase the agreed value by $1,000 per year but if you do the math that's still way in their favor. They don't have a lot of restrictions - other than the storage requirements - and I did not need appraisals for any of the cars. Just like home and regular auto policies it seems like you have to switch providers every few years to keep the price in line.

I do like Hagerty because they will insure cars under restoration - but they also want an "expected completion date" which doesn't really work for me.

Troy

Well dangit. The whole reason I cut Hagerty loose is because of their annual price hikes! Looks like that's gonna happen no matter what...

ive been with the corvette museum for 7 years now  , never had a price hike unless I up the coverage and then it has always been minimal

[Dino]

I have Grundy - and have had them since I finally got driveable cars about a decade ago. My biggest complaint is that my premiums have gone up, on average, 20% per year (in years where I have made no changes). So, at this point, I am paying more than double as what I was paying originally. They do automatically increase the agreed value by $1,000 per year but if you do the math that's still way in their favor. They don't have a lot of restrictions - other than the storage requirements - and I did not need appraisals for any of the cars. Just like home and regular auto policies it seems like you have to switch providers every few years to keep the price in line.

I do like Hagerty because they will insure cars under restoration - but they also want an "expected completion date" which doesn't really work for me.

Troy

Well dangit. The whole reason I cut Hagerty loose is because of their annual price hikes! Looks like that's gonna happen no matter what...

ive been with the corvette museum for 7 years now  , never had a price hike unless I up the coverage and then it has always been minimal

I'll be sure to give them a call then. I don't like these surprises much.   

[ACUDANUT]

American collectors ins.

X2

[morepower]

if grundy hikes me up then i'll shit can them

[Old Moparz]

I have Grundy - and have had them since I finally got driveable cars about a decade ago. My biggest complaint is that my premiums have gone up, on average, 20% per year (in years where I have made no changes). So, at this point, I am paying more than double as what I was paying originally. They do automatically increase the agreed value by $1,000 per year but if you do the math that's still way in their favor. They don't have a lot of restrictions - other than the storage requirements - and I did not need appraisals for any of the cars. Just like home and regular auto policies it seems like you have to switch providers every few years to keep the price in line.

I do like Hagerty because they will insure cars under restoration - but they also want an "expected completion date" which doesn't really work for me.

Troy

Condon & Skelly lowered my premium one year after having it not change at all for several years. I called to find out if it was a mistake & they assured me it wasn't & it went down because one of the cars on the policy passed some benchmark age ( I forget what) & they discounted the price.