Decent reasonable insurance...., What insurance company do you guys like?? |
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Decent reasonable insurance...., What insurance company do you guys like?? |
second wind |
Oct 12 2018, 01:24 PM
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#1
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Senior Member Group: Members Posts: 860 Joined: 30-December 10 From: Los Angeles, California Member No.: 12,543 Region Association: Southern California |
Hello out there.....I have used Infinity Insurance for ten years and they have been very good for me. My renewal just came up and I asked if my car got stolen how much would I get? My agent first said $10,000.....then said between $7,500 and $15,000. I think I need a higher value to be made whole in case of a disaster. I called Hagerty and they don't insure in California unless you have a garage (due to theft in California). Anyone know of a good insurance company that won't break the bank? I think my yearly premium is about $900. Thank you very much.
gg |
76-914 |
Oct 12 2018, 01:31 PM
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#2
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Repeat Offender & Resident Subaru Antagonist Group: Members Posts: 13,613 Joined: 23-January 09 From: Temecula, CA Member No.: 9,964 Region Association: Southern California |
Hagerty
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second wind |
Oct 12 2018, 01:34 PM
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#3
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Senior Member Group: Members Posts: 860 Joined: 30-December 10 From: Los Angeles, California Member No.: 12,543 Region Association: Southern California |
Hagerty and Grundy require a garage....I don't have a garage.
gg |
GregAmy |
Oct 12 2018, 01:35 PM
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#4
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Advanced Member Group: Members Posts: 2,385 Joined: 22-February 13 From: Middletown CT Member No.: 15,565 Region Association: North East States |
I think all named-value "classic" car insurance companies require the car to be stored in a locked garage, not outside nor in a trailer.
I'm with American Modern (through Hagerty) for both the street 914 and the race 914 and Civic Si (latter "storage, transportation, and paddock" only). All policies require a locked garage for storage. So, absent a locked garage, you are stuck with regular comp/collision insurance, will will leave you subject to the insurance adjuster's whims on replacement value. |
Chris914n6 |
Oct 12 2018, 01:47 PM
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#5
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Jackstands are my life. Group: Members Posts: 3,393 Joined: 14-March 03 From: Las Vegas, NV Member No.: 431 Region Association: Southwest Region |
Pretty sure all the regular insurers will let you do declared value. I know Progressive would, but I wasn't that happy with the cost compared to classic ins.
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914_teener |
Oct 12 2018, 01:56 PM
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#6
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914 Guru Group: Members Posts: 5,245 Joined: 31-August 08 From: So. Cal Member No.: 9,489 Region Association: Southern California |
I think all named-value "classic" car insurance companies require the car to be stored in a locked garage, not outside nor in a trailer. I'm with American Modern (through Hagerty) for both the street 914 and the race 914 and Civic Si (latter "storage, transportation, and paddock" only). All policies require a locked garage for storage. So, absent a locked garage, you are stuck with regular comp/collision insurance, will will leave you subject to the insurance adjuster's whims on replacement value. (IMG:style_emoticons/default/agree.gif) And replacement value is different then agreed value. |
mepstein |
Oct 12 2018, 02:01 PM
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#7
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914-6 GT in waiting Group: Members Posts: 19,518 Joined: 19-September 09 From: Landenberg, PA/Wilmington, DE Member No.: 10,825 Region Association: MidAtlantic Region |
I’m with American. $140 for the first 914, $75 for the second - per year. But a garage is mandatory.
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914-300Hemi |
Oct 12 2018, 02:52 PM
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#8
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Senior Member Group: Members Posts: 1,367 Joined: 7-September 06 From: San Dimas, CA Member No.: 6,794 Region Association: Southern California |
I use Hagerty but you can look into Leland West. https://www.lelandwest.com
They also give a discount to PCA members |
iankarr |
Oct 12 2018, 03:39 PM
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#9
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The wrencher formerly known as Cuddy_K Group: Members Posts: 2,512 Joined: 22-May 15 From: Heber City, UT Member No.: 18,749 Region Association: Intermountain Region |
Believe it or not, I got great coverage and pricing from Chubb. Only about $300 / year for my 914, valued at 25K.
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second wind |
Oct 12 2018, 08:04 PM
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#10
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Senior Member Group: Members Posts: 860 Joined: 30-December 10 From: Los Angeles, California Member No.: 12,543 Region Association: Southern California |
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iankarr |
Oct 12 2018, 08:17 PM
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#11
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The wrencher formerly known as Cuddy_K Group: Members Posts: 2,512 Joined: 22-May 15 From: Heber City, UT Member No.: 18,749 Region Association: Intermountain Region |
Best to just ask your local Chubb broker. But I know my policy limits driving to 3K miles per year.
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Larmo63 |
Oct 12 2018, 08:26 PM
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#12
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Advanced Member Group: Members Posts: 4,267 Joined: 3-March 14 From: San Clemente, Ca Member No.: 17,068 Region Association: Southern California |
I recently inquired with Leland West for my 914 and Karmann Ghia. I couldn't believe how unprofessional they treated me. I only tried them because of their ads in Panorama and a possible PCA discount.
They were really weird to deal with, I went with Hagerty. Easy peasy. |
kgruen2 |
Oct 13 2018, 06:30 AM
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#13
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Member Group: Members Posts: 109 Joined: 22-February 15 From: Prescott, Az. Member No.: 18,459 Region Association: Southwest Region |
I recently inquired with Leland West for my 914 and Karmann Ghia. I couldn't believe how unprofessional they treated me. I only tried them because of their ads in Panorama and a possible PCA discount. They were really weird to deal with, I went with Hagerty. Easy peasy. State Farm. Declared value of 25,000. $156 every 6 mo. (that includes many discounts as I have multi lines and multi cars with them). |
Tdskip |
Oct 13 2018, 07:48 AM
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#14
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Advanced Member Group: Members Posts: 3,697 Joined: 1-December 17 From: soCal Member No.: 21,666 Region Association: None |
Hagert, Hagerty and then some more Hagerty
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Amphicar770 |
Oct 13 2018, 08:27 AM
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#15
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Senior Member Group: Members Posts: 1,205 Joined: 20-April 10 From: PA, USA Member No.: 11,639 Region Association: MidAtlantic Region |
Hagerty every time. I had a claim with them in another vehicle some years back. They went far above and beyond to make sure it was properly repaired.
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RickS |
Oct 13 2018, 08:35 AM
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#16
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Senior Member Group: Members Posts: 1,408 Joined: 17-April 06 From: 'False City', WA Member No.: 5,880 Region Association: None |
Believe it or not, I got great coverage and pricing from Chubb. Only about $300 / year for my 914, valued at 25K. Agreed value? If so I am switching from America Modern. Got screwed on a claim by State Farce, so never again. All insurance carriers are great at accepting your money, but how they treat claims is the real test. |
TravisNeff |
Oct 13 2018, 10:45 AM
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#17
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914 Guru Group: Members Posts: 5,082 Joined: 20-March 03 From: Mesa, AZ Member No.: 447 Region Association: Southwest Region |
I got a quote from state farm or farmers the price was good as I was doing house and all the cars on them. They even said they had agreed value policies fro the porsches.
I asked a few more questions on it. They said, I would pick the price, and pay the premium for the coverage. however, when a loss occurs they will come out and then tell me what they think my car is worth. I ran as fast as I could.. |
mepstein |
Oct 13 2018, 11:03 AM
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#18
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914-6 GT in waiting Group: Members Posts: 19,518 Joined: 19-September 09 From: Landenberg, PA/Wilmington, DE Member No.: 10,825 Region Association: MidAtlantic Region |
I have an insurance broker who is good at reading the fine print and explaining what I am really buying. He doesn’t make as much being honest but I’ve referred him to a dozen people so he knows the value and does well in the end.
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Montreal914 |
Oct 13 2018, 11:11 AM
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#19
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Senior Member Group: Members Posts: 1,675 Joined: 8-August 10 From: Claremont, CA Member No.: 12,023 Region Association: Southern California |
Would any of these "specialized" insurer cover my daily driven 914 (about 5-10k mi/yr) garaged kept?
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RARE 6 |
Oct 13 2018, 11:32 AM
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#20
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Member Group: Members Posts: 141 Joined: 18-January 15 From: Grand Junction CO Member No.: 18,337 Region Association: Rocky Mountains |
Would any of these "specialized" insurer cover my daily driven 914 (about 5-10k mi/yr) garaged kept? My experience in running the traps with most of the mentioned carriers is that they will not offer firm value policies without driving restrictions, including mileage limits and specifically no daily driving or commuting. As mentioned, all require garage storage and need to see an additional available means of daily transportation. Had the completely opposite experience from Larmo's with Leland West. Quick and responsive when I switched a year ago and also when I renewed and upped the value on the -6 just a week or so ago. Wish any of the carriers would offer agreed value on my resto-mod '74 Landcruiser but all exclude any off road activity. |
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