Insurance for your vintage MOPAR?
#3138632
04/17/23 06:55 AM
04/17/23 06:55 AM
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Joined: Jan 2003
Posts: 8,036 The Grand State of Confusion-O...
SKR8PN
OP
master
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OP
master
Joined: Jan 2003
Posts: 8,036
The Grand State of Confusion-O...
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Hagerty? American Collectors? Others? Lets hear the good, the bad and ugly stories before I take the dive for the first time in over 20 years!
DISCUSS!!
Last edited by SKR8PN; 04/17/23 06:55 AM.
Karma has no menu. You get served what you deserve.
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Re: Insurance for your vintage MOPAR?
[Re: SKR8PN]
#3138641
04/17/23 07:43 AM
04/17/23 07:43 AM
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Joined: Dec 2007
Posts: 20,328 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,328
Puttin' on the foil in Charles...
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They all offer comparable claim service, and they all have similar requirements (must have another vehicle, collector vehicle must be kept in a locked garage, etc). The differences you will encounter are with rates, and with activities excluded from coverage. Get quotes from multiple carriers and ask them for a list of coverage exclusions. That's the only way for sure you'll know if you're getting what you need, and for a price you're willing to pay. Rates for anyone else have nothing to do with rates you'll be quoted, so ignore anyone who says "XYZ is the cheapest."
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: Insurance for your vintage MOPAR?
[Re: not_a_charger]
#3138656
04/17/23 09:03 AM
04/17/23 09:03 AM
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Joined: Aug 2003
Posts: 5,025 new jersey usa
11secdart
master
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master
Joined: Aug 2003
Posts: 5,025
new jersey usa
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My wife was after me for years ( with good reason ) to insure my 68 Dart race car ( not street legal ) I saw Heacock /. American Modern at Carlisle a few years ago and spoke to them about coverage I did and the policy is very reasonable a few hundred a year for my race car and my 92 D150. They are good to deal with.. last year somebody ran into my quarter panel ( hit and run ) while the car was sitting outside my trailer at the track , I didn't see it happen and there were no witnesses , they paid for most of the repair minus my deductible with ease and no problems all I had to do was send pictures. With my D150 on my regular car insurance was around $800 just for the truck with a deductible , now that it has classic plates my insurance with Heacock is less than $200
Last edited by 11secdart; 04/18/23 08:22 AM.
68 Dart 410 / 904 92 D150 original owner 21 Ram 1500 Quad Cab, Big Horn , Hemi ,4x4 23 Audi Q5 16 Honda HRV
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Re: Insurance for your vintage MOPAR?
[Re: topside]
#3138684
04/17/23 11:01 AM
04/17/23 11:01 AM
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Joined: Oct 2003
Posts: 2,416 Banana Republic
FM3AAR
top fuel
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top fuel
Joined: Oct 2003
Posts: 2,416
Banana Republic
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Hagerty on my '72. Never had to file a claim though.
"The Emperor Has No Clothes"
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Re: Insurance for your vintage MOPAR?
[Re: IROC78]
#3138830
04/17/23 07:04 PM
04/17/23 07:04 PM
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Joined: Jan 2003
Posts: 8,036 The Grand State of Confusion-O...
SKR8PN
OP
master
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OP
master
Joined: Jan 2003
Posts: 8,036
The Grand State of Confusion-O...
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I am not really concerned about the rates. Mostly about how any claims have been handled. I also had no idea you could go with Hagerty without using an agent!!
Karma has no menu. You get served what you deserve.
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Re: Insurance for your vintage MOPAR?
[Re: SKR8PN]
#3138833
04/17/23 07:31 PM
04/17/23 07:31 PM
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Joined: Aug 2003
Posts: 862 Avondale AZ
Prodart440
super stock
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super stock
Joined: Aug 2003
Posts: 862
Avondale AZ
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I have been using Hagerty since the mid 90's. I have had a couple claims, including a cuda they wanted to total. They are great, and worked with me, even though I had the cuda under insured.
Aaron
68 Roadrunner 383/AT 69 Dart GT Conv. 383/AT 05 Dodge Ram 4x4 Cummins 06 GoManGo R/T Daytona #757 68 Coronet 440
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Re: Insurance for your vintage MOPAR?
[Re: Prodart440]
#3138870
04/17/23 09:37 PM
04/17/23 09:37 PM
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Joined: Apr 2007
Posts: 1,044 Central Michigan
nuthinbutmopar
super stock
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super stock
Joined: Apr 2007
Posts: 1,044
Central Michigan
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Co-worker had a '62 Impala bubble-top, white, VERY original car. Shortly after buying it, he decided to use a product (don't remember exactly what the brand was) that was essentially a wax with a small bit of compound in it that was supposed to take down a small amount of oxidation and bring back some shine. He starts on one side following the instructions on the bottle, when he gets down applying the stuff he looks back to where he started and sees the paint bubbling.hoses/wipes it off, tries to call the manufacturer and they blow him off, saying it says to test on a small panel before use. Calls Hagerty and tells them the story, they say email pictures. They had him a check within a week to paint the ENTIRE car.
I've used them for for 20+ years with never a claim. Checked prices occasionally and they've been cheapest for me, but as was said everybody is different and so are their insurance rates...
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Re: Insurance for your vintage MOPAR?
[Re: topside]
#3138882
04/17/23 10:24 PM
04/17/23 10:24 PM
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Joined: Oct 2005
Posts: 5,003 WI
Dcuda69
master
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master
Joined: Oct 2005
Posts: 5,003
WI
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I've had a couple of different insurers on the toys, but switched to Hagerty some years back. Ran a shop a few years ago where we repaired/restored classic vehicles, and Hagerty was great to deal with. They're also invested in the hobby. Switched a few of my later-model limited-use vehicles over to them, too. Rather than look for the cheapest rate, look for best service and best fit for your vehicle(s) and how you use them. All will require proper garaging & non-daily-driver use. Interesting. I use my regular insurer for my 69 B'cuda(AmFam) and it's very reasonable because it wears a collector plate and is limited use. They also carry my '18 Mustang GT convert and they are VERY happy to charge me for that one even though it is limited use. There is only 2 of us in the house and we have daily drivers insured with them also so both of those cars are "pleasure vehicles" but because that Mustang can't wear a collector plate and is considered a performance sports car....they charge me for it. I didn't realize Hagerty did late model stuff.....time to go shopping! Thanks!
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Re: Insurance for your vintage MOPAR?
[Re: Dcuda69]
#3138894
04/18/23 12:57 AM
04/18/23 12:57 AM
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Joined: Nov 2004
Posts: 16,631 On the run…
BloFish
I Live Here
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I Live Here
Joined: Nov 2004
Posts: 16,631
On the run…
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State Farm here, no issues.
It really doesn't matter whether you win or lose… as long as you look good doing it!
‘65 A100 ‘69 ‘Cuda ‘73 Vega GT ‘06 Mega Cab ‘14 Mercedes SLK
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Re: Insurance for your vintage MOPAR?
[Re: Dcuda69]
#3138895
04/18/23 01:04 AM
04/18/23 01:04 AM
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Joined: Jan 2003
Posts: 8,451 Highland, MI.
Sunroofcuda
master
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master
Joined: Jan 2003
Posts: 8,451
Highland, MI.
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I used to have Hagerty for a few cars. Never had a claim though. Then I called them to see if they would insure our 2016 Challenger Scat Pack, since it is a sunny day driver only. They said SURE - $1300.00 a year, & no dropping the collision for the 6 months it's not driven - so $1300.00 a year no matter what. Then I called Grundy, & insured ALL our vehicles through them. The Challenger is now under $200.00 a year, no limit on mileage, zero deductible on both comp & collision, & stated value of $45,000. And the rest of our vehicles are WAY less than any other insurance I shopped around for. I had one claim so far with them - they use contract adjusters & I had NO problems. Grundy is AIG Insurance. VERY happy with them.
No Man With A Good Car Needs To Be Justified
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Re: Insurance for your vintage MOPAR?
[Re: Dcuda69]
#3138908
04/18/23 06:56 AM
04/18/23 06:56 AM
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Joined: Dec 2007
Posts: 20,328 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,328
Puttin' on the foil in Charles...
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I've had a couple of different insurers on the toys, but switched to Hagerty some years back. Ran a shop a few years ago where we repaired/restored classic vehicles, and Hagerty was great to deal with. They're also invested in the hobby. Switched a few of my later-model limited-use vehicles over to them, too. Rather than look for the cheapest rate, look for best service and best fit for your vehicle(s) and how you use them. All will require proper garaging & non-daily-driver use. Interesting. I use my regular insurer for my 69 B'cuda(AmFam) and it's very reasonable because it wears a collector plate and is limited use. They also carry my '18 Mustang GT convert and they are VERY happy to charge me for that one even though it is limited use. There is only 2 of us in the house and we have daily drivers insured with them also so both of those cars are "pleasure vehicles" but because that Mustang can't wear a collector plate and is considered a performance sports car....they charge me for it. I didn't realize Hagerty did late model stuff.....time to go shopping! Thanks! FWIW, AmFam does not offer Agreed Value coverage.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: Insurance for your vintage MOPAR?
[Re: 5thAve]
#3139008
04/18/23 02:08 PM
04/18/23 02:08 PM
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Joined: Sep 2003
Posts: 20,235 north of coder
moparx
"Butt Crack Bob"
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"Butt Crack Bob"
Joined: Sep 2003
Posts: 20,235
north of coder
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i have had American Collectors on my charger for years, because my agent [whom i have been with since around 1973 or so] deals with Erie insurance which i have on my house and daily drivers [and has been a VERY good agent !] and he had that company as well. i have never had to file a claim. [knocking on my head, er, i mean, wood ! ] however, i'm thinking to ask him if he deals with any other collector companies as well, and if he does, i will compare with the possibility of switching when my current policy expires in august. i want to stay with my guy because he has been absolutely fantastic over all these years, and at this stage of my "game of life", i see no sense in switching agents now.
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