Printable Version of Topic

Posted by: ndfrigi Sep 16 2013, 04:54 PM

Hi,

I tried filling up a form with Hagerty Insurance for my 1975 1.8L FI and they gave me a guaranteed insurance of $15,000 for a yearly insurance payment of $198.

Liability $100,000/$300,000 $ 27.00
Liability - PD $100,000 (per accident) 6.00
Medical Payments $1,000 (per person per accident) 6.00
Uninsured Motorist $100,000 / $300,000 (Per Person/Per accident) 10.00
Limited Earthquake coverage $100,000 (guaranteed value) 10.00

Vehicle #1
Vehicle information 1975 Porsche 914 1.8 - guaranteed value $15,000
Other than collision $0 deductible 55.00
Collision $0 deductible 54.00

What do you think members?

Currently, I'm using AAA for a multiple car insurance and I pay $175 per year without comprehensive for my 914.

Thank you and God Bless!

Posted by: hot_shoe914 Sep 16 2013, 04:58 PM

I have Hagerty on all 4 of my 914s and they give me an excellent rate and great coverage. I actually contacted them today about my busted windshield I received at RRC. They are covering the entire replacement cost with no out of pocket money from me and it was the easiest claim I have ever filed. Also guaranteed me no increase in my rates.

Shoe

Posted by: drgchapman Sep 16 2013, 05:03 PM

Is there a mileage limit per year?

Posted by: KELTY360 Sep 16 2013, 05:52 PM

I've covered old cars with Hagerty since 1989. Great service, very responsive. All companies could should learn how to take care of customers from them.

Posted by: Travis Neff Sep 16 2013, 05:59 PM

There is no mileage limitation on my hagerty policy

Posted by: Big Len Sep 16 2013, 06:15 PM

I have exactly the same coverage on my '74. Very good customer service.

Posted by: ndfrigi Sep 16 2013, 06:22 PM

Thank you 914 members for all the replies! I will transfer my 914 insurance from AAA to Hagerty.

God Bless!

Posted by: surfbus66 Sep 16 2013, 06:39 PM

Agreed! Hagerty is the way to go. A friend of mine had his classic mopar on his regular auto policy. He was hit by a non-insured driver. Damaged the rear quarter panel. He tried to collect through his insurance. Because his car was a 1965 they automatically wanted to total it and would only give him two thousand. He could buy the car back from them, but it would have a salvage title. He ended up not claiming it an eating the cost of repairs. Lesson learned, He now has Hagerty.

Posted by: jim_hoyland Sep 16 2013, 06:45 PM

Interesting...what are the cons ? Is there something not covered that AAA might cover ?

Posted by: porsche913b_sp Sep 16 2013, 06:56 PM

Was this for classic car insurance or regular insurance ?

Back when I inquired they had me take a picture of where the car was parked in my garage. They didn't like my overstuff garage full of boxes on the side. I suppose they were afraid they would fall on the car or something

Posted by: Philip W. Sep 16 2013, 07:01 PM

I was paying $900/ year with Progressive , they would only insure for $5k , but I switched to Haggarty's 3 years ago and pay $198, covered for 12,500. Only downside is I can't commute with it but there is no milage limit, just has to be for pleasure, even if I drive up to the dragon I am covered

Posted by: JRust Sep 16 2013, 08:53 PM

Love Hagerty! Never had to file a claim thankfully. There coverage is inexpensive overall & it is excellent coverage. You can't be driving it to work. Just pleasure as stated

Posted by: 76-914 Sep 16 2013, 08:56 PM

Me too! I have 3 with them. Happy but then I've never had to file.

Posted by: drive-ability Sep 16 2013, 09:11 PM

I had a total loss, they treated me great and paid our agreed value without any funny business. Will be using them again with my next car !!!

Posted by: ben*james Sep 16 2013, 09:25 PM

QUOTE(drgchapman @ Sep 16 2013, 04:03 PM)

Posted by: jeffdon Sep 16 2013, 09:55 PM

Love Haggerty. Never had to file a claim, but what customer service I have dealt with has been top notch.

Posted by: Eric_Shea Sep 16 2013, 10:23 PM

New roof on my car hauler. Thanks Hagerty.

Posted by: Steve Snyder Sep 17 2013, 01:17 PM

I have my '74 insured with Hagerty for $45K @ $300/yr. There is no mileage limit, but I cannot commute with it (not an issue, as I work from home). I had to send them a bunch of pictures to get the agreed amount of coverage, but surprisingly did not have to provide receipts or other proof of value. I've (thankfully) never filed a claim, but it seems like a pretty good deal to me.

Posted by: jim_hoyland Sep 20 2013, 07:51 AM

QUOTE(ndfrigi @ Sep 16 2013, 03:54 PM)

Posted by: NORD Sep 20 2013, 08:35 AM

Hagerty will not allow any AX or track activity, you will be turned down if you say this.
They also like it when you keep your mileage below 2,000 miles a year and you must park in a garage that locks. They want pictures so they know what shape the car is in for agreed value. I had to send in a copy of my DD insurance as well. They only match limits that you have on your DD car insurance. I've been with Hagerty for twelve years, and never a claim. Hagerty also brokers your Policy out to other company's.

Good luck shopping and careful what you say.

Posted by: Maltese Falcon Sep 20 2013, 11:12 AM

Haggerty will also allow your licensed son or daughter to drive your classic , below age 25.
JC Taylor insurance is minimum 25 years old. JC also allows you to have an established automotive business establish a total cash value for your car, and they will insure your classic based on this appraisal. AAA insurance also offers an antique policy, underwritten by another affiliate of AAA. Each classic auto insurer has slightly different bells + whistles, so shop accordingly.
Marty

Posted by: jim_hoyland Oct 12 2013, 06:54 AM

I just completed my Hagerty application and got coverage for agreed value of $15K My other limits are the same as I had before.

The Hagerty web page has good information on what they cover and the conditions required. Then they have a " Get A Quote" button and you will get an idea of the cost. If you continue on, there is an online application; you will need to upload a picture of your car and upload a copy of your declarations for your daily driver. They want to make sure you have another insured vehicle for nonpleasure ( work ) driving. I had my current insurance email me a PDF copy of my DEC page and I uploaded it with my application and photo.
The next day I got a call from a Hagerty rep and he finished up the application, had a couple of questions, and then told me the yearly cost. Turned out it was less than the original on-line quote. Yeaa. I'm in for $160/year, was paying a little over 2x that amount with no guarenteed coverage.

My experience was top notch, I highly recommend looking in to Hagerty for a quote.

Here's a link: http://www.hagerty.com/apps/QuoteMyClassic/Usa/Direct/c42aa04d/Location/StateRegion

Posted by: somd914 Oct 12 2013, 08:33 AM

QUOTE(Maltese Falcon @ Sep 20 2013, 01:12 PM)

Posted by: ndfrigi Oct 12 2013, 08:33 AM

Good morning Sir Jim!
Your right same thing with me on how the transaction flow was processed. I also got the $15k guaranteed coverage just a week after I started this thread.
I also indicated 2k miles per year but how they will know if they didn't even ask me the actual mileage of car. Maybe they knew classic cars usually or mostly thus not have accurate odometer anymore.

God bless!

Posted by: sixnotfour Oct 12 2013, 09:56 AM

good 0le Washington sate has screwed me with Hagerty, I have had them for 7 years, and got canceled after ..zero incidents,
Wa sate requires every licensed driver with your address to be covered, no exceptions...2 sons with a few tickets = done,
I had initially stated the one son would never drive any Porsche.
All was good until the new law...this varies state to state..
most allow exclusions.
Hagerty worked hard for me but not possible with their current records.. funny thing is my son was a victim of being hit by an uninsured motorist and that still was counted against us.
I would like the law to have classic car insurance to be allowed to use exclusions..

I have another insurance plan for daily driver cars.

Good Company great rates....crappy state laws.