My insurance renewal is coming up next month and currently my car is just a stock daily driver.
$0 deductible 100-300-100 and all the extras including up to 150 mile towing, the magazine, tools, etc at $12k value. I've been wondering about that amount after seeing the prices spike. Pulled up their valuation chart and it shows daily driver at $20k value. Made the change online, with no justification other than their chart, and it's now $392a year Peace of Mind.

I just switched to Hagerty today also. Better price and coverage that my daily driver insurance company. I also went with $20k value.

I don’t think I could replace mine at this point for less than 35k. Hagertys let me insure it for 45k for a little less than 500 a year.

Hagerty for $50,000 guaranteed value at $321 per year with cherished salvage, the typical liability coverage, & zero collision deductible.

Hmmm.. Time to upgrade my Hagerty coverage...


I went from a 2.0 to a 2.2 this month....
Click to view attachment years

You let your girlfriend drive! Double the coverage!

@914werke

It's an extra rider on the policy whereby if the car is deemed a write off (totaled), you get the full insured value and keep the car as well.

I've got it on mine and it is quite reasonable.

'cherished salvage' must be that the insured is allowed to buy the wreck if it is a total .

Note to self..... must compose more quickly.

American Collectors: $351 premium for $40,000 agreed value

I must live in a shitty part of town... $530 for what the OP listed above.

Or they know I have to drive out-of-state to get to the cool events

Ill have to look into that