Classic Car Insurance Recommendations?

[Wakko]

What stinks for me is that I'd like more than 3k miles a year for my GN, and it's in the locked garage.  The Charger won't be driven anywhere NEAR that much and it doesn't FIT in the garage.  Sooooo, neither car qualifies. 

[694spdRT]

I don't think Haggerty had a mileage limit.   I will check my policy but, they never ask for a mileage update like my old company did.

I think they just want proof you have another vehicle for everyday driving.

[THE COLONEL]

I don't think Haggerty had a mileage limit.   I will check my policy but, they never ask for a mileage update like my old company did.

I think they just want proof you have another vehicle for everyday driving.

I'll look through mine too, but I think you are right.  When I renewed my insurance with them this year, I don't ever remember putting the mileage down.

[myk]

Well, it's not as if anyone checks, right?  Furthermore, how are they supposed to confirm if the car is garaged and locked?  Is there an appraisal process with Hagerty?  If not, I'd like to insure my '69 for.......$25K...

[MichaelRW]

Well, it's not as if anyone checks, right?  Furthermore, how are they supposed to confirm if the car is garaged and locked?  Is there an appraisal process with Hagerty?  If not, I'd like to insure my '69 for.......$25K...

At their request I just emailed Hagerty pictures of my car and they agreed to $45,000 without any questions.

[69_se_ron]

I use Grundy.

But, let's be serious, most insurance companies will be great at cashing your premium check.

Has anyone had the unfortunate experience of having to collect on a policy?

There's the true measure of whether an insurance company is one you'd want to deal with.

I had a garage fire 2 years ago.  Next to the car that caught fire was my '66 convertible Mustang (numbers matching, 4-speed, low mileage) that suffered extensive smoke and heat damage.  I had a policy with State Farm for $20,000 and they paid out $19,973!!!!  I took it to the shop of my choice, and they restored everything: new paint, chrome, glass, wheels, seats, top, carpet, dash...the car looks brand new.  I've heard a lot of bad things about State Farm, but you'll never hear anything negative about them from me.  I even upped my coverage to $30,000 after the restoration.

[myk]

So are you bending the truth about your application in any way?  I know I would have to about a few items on their application...