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Classic car insurance experience?

Old 01-13-19, 08:49 PM
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Classic car insurance experience?

I was looking through some old threads and it seemed like a lot of people either recommended Hagerty or American Collectors and was just wondering if anyone had any experience as far as after any accidents or any other misfortunes and how easy/difficult it was to deal with them at that point. I'm mostly looking for experience with Hagerty, since I don't qualify for American Collectors, but would like to hear all experiences.

I've currently been with State Farm for over 10 years now, but looking for something else to insure the FD with. It's looking like I'll most likely have to go with Hagerty, though. Seems like American Collectors won't insure you unless you have a fairly newer car for a daily, and my daily is a year older than my FD.
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Old 01-13-19, 10:08 PM
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I have Hagerty on mine, I havenít had any actual need for it yet *knocks on wood* but basically they told me you can insure it for whatever you want and obviously if you were to wreck it they pay whatever you have it insured for to fix it. Mine is insured for 22k but you can insure it for whatever amount you want. All up to you, but obviously you pay more for the higher insurance value
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Old 01-13-19, 11:12 PM
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I've been looking around a bit. Those are also the two big names that have come back in my searches. Both gave me quotes and American Collectors was lower. Did you call American Collectors? I've spoken with different representatives three times to ask questions and follow up on stuff. None mentioned any issues about insuring my '94 FD.
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Old 01-14-19, 03:39 AM
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Last spring/summer I had two windshields on the FD within 4 months. Both replaced with zero deductible thru Hagerty without issue. Fortunately no collision or liability claims on either car.
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Old 01-14-19, 06:10 AM
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Grundy is another option; I've actually been exchanging emails with them regarding their definition of "pleasure" driving and received the following email.

Grundy's quoted rate was much lower than the other two mentioned above. As soon as my newly purchased CYM arrives, I'll be insuring it and my Supra with Grundy.

- Richard


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Old 01-14-19, 05:04 PM
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Originally Posted by ecurbd02 View Post
I have Hagerty on mine, I havenít had any actual need for it yet *knocks on wood* but basically they told me you can insure it for whatever you want and obviously if you were to wreck it they pay whatever you have it insured for to fix it. Mine is insured for 22k but you can insure it for whatever amount you want. All up to you, but obviously you pay more for the higher insurance value
Originally Posted by Sgtblue View Post
Last spring/summer I had two windshields on the FD within 4 months. Both replaced with zero deductible thru Hagerty without issue. Fortunately no collision or liability claims on either car.
Do either one of you have a yearly mileage limit? I saw that American Collectors seem to have one, but from what I've heard, Hagerty doesn't.

Originally Posted by av8r01 View Post
I've been looking around a bit. Those are also the two big names that have come back in my searches. Both gave me quotes and American Collectors was lower. Did you call American Collectors? I've spoken with different representatives three times to ask questions and follow up on stuff. None mentioned any issues about insuring my '94 FD.
Not yet. I've just gotten quotes online, but most likely will talk to them sometime this week when I'm not working as much overtime. It seems like Hagerty was a little bit higher because they don't limit you on yearly mileage or where you can or can't take the car to.
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Old 01-14-19, 05:42 PM
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National Corvette Museum also offers collectible car insurance.

Haven't had to file a claim luckily, but my interactions with them so far have been good.
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Old 01-16-19, 05:10 AM
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Just started my policy with Hagerty today. Their sign-up process and level of customer service has been excellent.
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Old 01-16-19, 12:15 PM
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I've been using National Corvette Museum Insurance. Haven't had to file a claim yet, but the annual cost is very nice, including the agreed upon value, and ability to drive to work a few days a week.
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Old 01-16-19, 12:23 PM
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Originally Posted by Murilli View Post
I've been using National Corvette Museum Insurance. Haven't had to file a claim yet, but the annual cost is very nice, including the agreed upon value, and ability to drive to work a few days a week.
Thanks for sharing; Iím going to get a quote from them, as well. I like that one can drive a car under their policy to work. Grundy is verify specific on not allowing that with their policy (at least what I was told/quote).
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Old 01-16-19, 02:21 PM
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Originally Posted by Murilli View Post
I've been using National Corvette Museum Insurance. Haven't had to file a claim yet, but the annual cost is very nice, including the agreed upon value, and ability to drive to work a few days a week.
Oh cool, I'll have to check them out as well and compare them to Hagerty.
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Old 01-16-19, 02:42 PM
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National Corvette Museum policies are through American Modern. I use them and have not had any issues but who knows how a claim would be handled. There are good and bad stories on every company, American Modern included.
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Old 01-16-19, 08:14 PM
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I use grundy, and have been for years. They have good prices, but I haven't had any claims.
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