Insurance

[NickT02LS]

Who are you guys using for insurance for your Marauder to have it covered for what they are worth not "book value""

Thanks,

Nick

[john84cdv]

I’m currently with USAA. You can insure your car for 20% over blue book with them, but that is still not nearly enough. I plan to switch over to Hagerty and insure it at an “agreed value”.


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[RubberCtyRauder]

Hagerty, but may be changing. It can't be a daily driver, and garage generally required

[MyBlackBeasts]

Hagerty, but may be changing. It can't be a daily driver, and garage generally required

Driveway parking is now allowed in many circumstances. They also have a new rating category called Seasonal Usage. Mine is insured this way. Daily driven from April to November except for thunderstorm days or days I drive the Impala.

[Turbov6Bryan]

Grundy or hagerty. Both are ok, 8500 on my beater and premium was 108 first year, 118 next year.
my mustang is 48k and 600 a year

[NickT02LS]

are They limiting your mileage to 2500 on either car??????

[justbob]

2,500 is averaging two and half years for me anymore. Seems like I drive it a lot, all short trips though..


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[RubberCtyRauder]

Generally can not be daily driver for agreed value coverage. Most have mileage ranges, you have to ask what mileage sets they offer.

[Turbov6Bryan]

12 years, never asked how many miles I’ve driven

[MyBlackBeasts]

Generally can not be daily driver for agreed value coverage. Most have mileage ranges, you have to ask what mileage sets they offer.

Not completely true now.

Hagerty has a "Seasonal Driver" rating class. For cars that are parked for the winter and you have another daily also. Sample: I daily drive the MM & SS April thru Nov but drive the P/U on stormy days (to avoid hail). This is how I got my MM & SS & Ranger on Hagerty policy with Agreed Guarantied value coverage with Cherished Salvage endorsement. (super cheap too!)

[RubberCtyRauder]

I didn't renew Hagerty..they want too much $$ even with $500 deductible. It must be my state..I switched to American Classic, zero deductible, and I raised the agreed value on both my cars..$ 300 cheaper

[TED73]

Thanks for the reminder. I currently use Condon & Skelly for my one car. I'm going to call them up this week and get some info on insuring my MM. I'm surprised I did not think of this last Fall.

[BAD MERC]

I highly suggest Hagerty. Mine is insured as collector (2004 low number build) and I was able to get it and save almost $400 a year over State Farm which insures my other 2 cars. Stipulations of garage/primary vehicle/mileage are standard but what I loved was the "Cherished Salvage" clause which allows you to keep the vehicle after a write off. I am insured for $27,000 and it's $940/year. It drops slightly if you pay all at once but I do semi annually.

[MyBlackBeasts]

I highly suggest Hagerty. Mine is insured as collector (2004 low number build) and I was able to get it and save almost $400 a year over State Farm which insures my other 2 cars. Stipulations of garage/primary vehicle/mileage are standard but what I loved was the "Cherished Salvage" clause which allows you to keep the vehicle after a write off. I am insured for $27,000 and it's $940/year. It drops slightly if you pay all at once but I do semi annually.

And with your Hagerty policy you will get paid $27,000 (less deductible) if its totaled.

With your SF policy you would only get ACV less deductible.