Well I'm a happier man right now I just went down and got some Hagerty auto insurance so I pretty stoked on that instead of having it through AAA at $35,000 i've got $60,000 through Hagerty
Last edited:
This has been covered 100's of times before. You should,have checked with Grundy first. Their rates are lower and they have fewer restrictions.
Just curious why you guys would go with specialty insurance companies instead of "mainstream" places like State Farm?
This has been covered 100's of times before. You should,have checked with Grundy first. Their rates are lower and they have fewer restrictions.
Here's number 101. Three questions to the Primers if you don't mind:
1) Has anyone here had both Grundy & Hagerty or compared each thoroughly? Can you chime in on your opinion of one vs. the other as far as cost, service, and any major differences in usage restrictions? I'm asking here just to save me the aggravation of calling for two quotes then being pestered for 6 months if I don't follow up on one or both.
2) For anyone who's had either of them: Have you found any of those types of collector coverages with "full" replacement value to cost anywhere less than $750/year for your particular situation & car?
3) Related to question 2, do you know if any of those types of collector coverages offer an option to decrease coverage during winter months (like the PA seasonal registration) in order to save some $$?
I have had "regular" coverage thru Penn National since 2013 that's around $770/year. They use NADA for estimating value in case of a loss, and now that I'm using the PA state "seasonal registration," my annual cost should decrease to around $470 when I shut off most of the coverage from Nov 1 - April 1. However like all of us believe, our cars have increased in value well beyond NADA...and I'm finding I just don't use my NSX as frequently as my regular insurance would allow - I'm basically using it for joyrides and infrequent cars/n/coffee type things so I am paying for freedom I don't need while under-valuing my NSX just in case of any loss. Never drive to work, never to Home Depot, etc.
Thanks for any who chime in. What would a month be if there wasn't at least one resurrected NSX insurance thread.
PS same question goes to any other collector car insurance provider than Hagerty or Grundy...
Hope this helps, again.
Here's number 101. Three questions to the Primers if you don't mind:
2) For anyone who's had either of them: Have you found any of those types of collector coverages with "full" replacement value to cost anywhere less than $750/year for your particular situation & car?
3) Related to question 2, do you know if any of those types of collector coverages offer an option to decrease coverage during winter months (like the PA seasonal registration) in order to save some $$?
YES. For my NSX it cost $451/yr with full coverage, $0.00 Deductible. For my Lotus I pay $650/yr, $0.00 deductible.
I wouldn't know as the weather in Florida allows me to drive my cars 12mo's a year. However, at $400-$500 per year how much would you save?
Hope this helps this time around.
$451 with Grundy for year round? Holy crap. Do they let to drive it more than 100 miles a year? Guess who I'll be calling Tue for a quote. I thought I remember reading a restriction with them that seemed too hard to deal with, at least for me, but we'll see.
If I find something around $450/year with ample coverage for my '93 whose restrictions aren't too much joy-kill, I won't be worrying about seasonal registration one bit...may even go all out and roll up a $5 bill for a stogie and light up a stogie to celebrate the improved coverage and some savings.
Thanks Doc
As I recall, specialty insurance would not cover:
1) if my daily driver was in the shop and I had to drive my car to work
2) Stopping at Home Depot after going to AutoZone.
3) Dropping by my car buddy's garage on a Sunday drive