Haggerty Just Lost A Customer

Well I bought '72 plates, readied the title to be signed over to me, applied for insurance with Haggerty, did the whole shabang basically, sent in pictures, EVERYTHING and got a call today while i was at work, my dad answered it.

they won't cover me because i dno't have insurance on another vehicle in MY name. i drive a car (listed in my sig) that my dad has in his name and he pays for it (while i'm in school) and if i were to insure it in my name it would easily cost me $4000-5000 a year just for that one car. my dad told them that it's stupid for them to want me to do that just so i can drive my '72 around maybe 1000 miles a year. so my dad asked how much it would cost to have him insure it. they won't cover it now AT ALL because i applied for insurance on the car (and it's in HIS name right now we haven't transfered the title over to me yet even, we were waiting for insurance).

if anyone here works for haggerty, you can tell your boss you lost a customer for life, and my dad who plans to buy another classic car soon will also NEVER use them.

my question to you guys is this, what other insurance companies will cover my '72 and not ask 800,000 stupid questions and then deny me insurance after i've answered those questions.

i will also never recommend haggerty to anyone, in fact, i'll tell them to look elsewhere after the way they treated me and my dad on this. it's utter bull.

also, at this rate, i will not be at salem with my car, i'm not driving it out of state without fullcoverage, it's too long of a trip with too much risk of something happening.. furthest its been away from home while i've owned it is about 15-20 miles.. salem is a good 500-600 worth driving back and forth

 

Haggerty is one of the best deals going. I hate to tell you but every one of the specialty insurers will decline to insure you under those facts. The reason they can rate the coverage so low is based on several factors. One of the biggest is low usage of the classic car. One of the biggest indicia of low usage is having another daily driver in your name. Another major factor probably unstated is age. The statistics are clear that younger drivers are more likely to have an untoward driving event. That risk goes down until you start to get really up in years and begins to rise again later in life. They are looking for the sweat spot in the curve -- 40s and 50 s.

 

Kyle,
Stop. Take a deep breath,and give it a few days before you go off half cocked. Where there's a will there's a way!
Do some checkin around,I'm pretty sure your find a way to get insured for cheap!
I understand your pissed right now, give it a few days to think it over. You will understand what I'm saying when your head is cleared and the initial shock has had a while to mellow:TU:

 

Jim... don't care that they aren't going to insure me or the reasons, it's pathetic to be honest, anyone know who underwrites them? i'd like to make sure i put them on my blacklist of companies to never get insured with... people like that don't deserve my hard earned money... ya i'm pissed but i stand by that whether i'm pissed or not. the place i work for treated me like ****, guess what.. they pay me, but i don't buy anything from them and i told them that, didn't do anything but ya know.. my family doesn't shop there and i don't shop there, they lost about 5 or 6 customers just by pissing me off...

kenny, i know what you're saying too... it just irritates me that i have to go through this kinda because i live in michigan. as soon as i get a degree, i'm moving outta michigan... being a car enthusiast michigan is NOT the place to be.. no fault insurance, we get RAPED in car insurance.. my dad who covers 3 vehicles.. 94 Z28 (he's the primary), 94 lesabre (me and my brother are primary on this, i'm 21, he's 19), my mom is primary on my car 2001 regal gs.. including house insurance it costs us over $4k a year.. with 1 ticket in the past 3 years and it was a very minor one.. it was more expensive BEFORE the ticket mind you so that isn't a factor at all. you guys tell me.. for 3 cars how much does it cost you to insure plus your house? i'm betting it's not close to $4k a year in a state without no fault.. and the state of michigan continues to allow it to happen.. i've had one minor fender bender (i was 18, i went a full 2 years on my own as a driver before i got into an accident, that's pretty good if you ask me, i taped the other guys car at like 3mph... it was stupid, but due to the laws i got a ticket even though there was no damage, it was bull to begin with)...

ya, i'm fired up about this crap because i keep getting bent over by insurance companies and anything automotive related lately, and it's REALLY irritating me

 

i just had to check out haggerty. and they are 4x what i pay now for coverage and i even gave it more of a deductable than what i have now. unreal. go to your local insurance put it under pleasure vehical and full coverage and you might be surprized. on 25,000 it costs me $210 a year. i can take a ride anytime i want (but i do put it away for the winter) as long as the milage is less than 5000 miles per year. give it a try

for house
92 harley
93 s-10
93-one ton crew cab diesel
2000 taures
16 foot boat
and the scooter
and the 65 wildcat
all cost me a bit over $1500 a year. mind you that only the taures and the wildcat and house have full coverage

 

i'll look into that and call a local agent up tuesday. from what i seen haggerty was the cheapest and i heard nothing but good things about them not asking lots of questions and just giving you the money. which was nice, i don't want to fight for money that is rightfully mine if something happens. but after this crap, i don't care that other people thought they were great, they treated me like a kid, i haven't had any major ticket or anything against me in nearly 6 years of driving, i'd say that's pretty good for a 16-21 year old, certainly better than the average, yet they continue to treat me like a kid, also, since i've been driving we haven't put a claim in ONCE and yet they continue to increase our insurance, i can understand charging a bit more for younger drivers, but the rate they charge us is obscene, in 3 years we could buy another car for the price we pay for some of these cars to be insured.

 

Kyle I know your mad please (as per rules of the board) use other words to expess yourself. Keep this and all posts family friendly thanks. (ps... yes I did the edit job for you)

 

i don't care what company it is, you'll have to put up a fight and play the waiting game with them. my friend had full coverage on his 2003 harley. he works for the air force. badge and all. anyways its ripped off gone. had full coverage. did the waiting game from last june till last month, went and got a lawyer and then they payed him up. its always going to be there game with the money

 

Try Grundy Agency, they are the oldest collector car agency in the country (they are in Pennsy) good guys to deal with

 

thanks, i'll check into that as well

 

Kyle, I understand your frustration, but unfortunatley thats one of those things you can't do anything about. So your best to just move on, find a better deal, and get happy again.

No sense wasting aggrevation on things you can't do anything about. :TU:

btw.... just wait till you start getting involved with health insurance!
Try 30%-50% increases EVERY YEAR whether you use it or not!!! :rant: ou: :blast:
But yet again... you just bend over and take it... because there's nothing you can do about it. No sense getting your panties in a wad.
o No:

 

Estimating the degree of risk based on statistics is the foundation for insurance. If you smoke you pay more for life insurance because statistically you are more likely to die earlier in life. It is just a statistical fact.

On the upper end of the age scale, for example , if you are a ATP rated pilot flying passengers for hire with the major or minor airlines in the US it is mandatory retirement at age 60. Retirement is mandated by federal law and it does not matter whether you are a 747 captain with a lifetime clean record. The reasoning is that your hand eye coordination is not as good as it was and the risk of sudden death is higher.

If you are a pilot it is very difficult to get meaninful life insurance coverage or excess liability coverage. If you do it will be at a much greater rate.


We can go on and on with examples. The point is they are not picking on you. The carrier is making a business decision based on risk assesment. Aside from a mandatory obligation to assume the risk or share the risk through an assigned risk pool they are not obligated to write a policy covering an applicant.

 

I have to agree with Jim here, Hagerty is targeting 35-55 year old guys with perfect driving records and at least one other daily driver type car, for us that fit in that category it's great, you'll just need to find a local agent that will work with ya the company that covers your dad should be able to help you, he has visibility on the other cars and their yearly mileage. Is you dad telling them that your driving the car he's covering for you?

 

ya, we sent the scans of our insurance policy for the cars including who drives what car and everything. they can clearly see that i have a daily driver, you'd have to be stupid not to see it. it states right there "Kyle drives this" and Kyle's Mom drives this" and so on.. there's simply no reason they should not cover it as long as i have proven that i have a daily driver, and that was their reason for denying me insurance was because i didn't have a car in my name, with my name on as the primary insurance person. my dad told them that if i were to have the car in my name and my own insurance it would literally cost me $4000-5000 a year for what costs him like $800-900 a year for full coverage.

now, what's totally retarded is the fact that since the car has not been signed over to me (we were waiting for insurance before we did that) they refuse to cover the car even under my dads name... why? because i applied for insurance on the car. THAT is what is ridiculous.. my dad asked "how much would it cost for me to have the insurance in my name?".. "$291".. "ok, let's set it up"... "we can't, because your son applied for the insurance and because we denied him, we're denying you"...

so they won't even put the car in my dads name, and he's 54 next month, in your target "age" for haggerty... AND HE OWNS THE CAR.. the title clearly states that he owns it right now. but they won't insure it.

 

Hey Kyle, I've kind got the same problem. The car I drive is in my Dad's name. Here is how I got around it. (This might only work in Canada)

For 6 months (or 8 or whatever) of the year, I am the #1 Driver on my Dad's LeSabre. The Riv sits in the garage with NO ROAD COVERAGE, which works out to like 100 dollars for the Riv.

Then when I get the Riv out I become #1 Driver on that and secondary on the Lesabre.

How it works out for me due to the rebates and bills I get every 6 months, my Insurance for both cars is around 2400 dollars a year. If I only drove the LeSabre? 2200 dollars a year. So It works out really well for me. Try to do that.

 

Kyle'
I DON'T like to say this, But, the MAIN problem is your AGE. NOT YOUR FAULT, BUT IT IS THE PROBLEM for Drivers under 25.
WORST Record are Single Male Under 25 in the Service.
YES, a CLEAN record @ 21 is unusual, and YOU ARE TO BE COMMENDED for it, BUT it is the other 99.9% of the younger Male Drivers, that you WOULD be lumped with to cause the exclusion.
AND This WOULD be with ANY Company, Being under 25 puts a Mark against YOU. NOT FAIR, BUT TRUTH is as IS.
Another problem is trying to get insurance on something YOU don't own.
I can't insure my self on my Brother's cars, Either 70 GS, They are NOT in MY NAME.
Insurance Companies look as that as a possibility of a SCAM, and are VERY leary of that situation.
I DON'T agree with everything, but UNFORTUNATELY, it's called LIFE.
JR

 

I'm way over the 25 age thing, so I don't know how that'll play out, but I insure my LeSabre through J.C. Taylor Antique Auto Program, part of Zurich Agency Services, Inc.

Costs me $72 a year (not supposed to be a daily driver), they wanted pictures of all four corners of the car and the interior, and I had to agree not to drive it on a daily basis, no racing (I guess that means at a track, anyway...:Brow: ). Cost is based on however much coverage I want, I'm at $6K, which is about twice the market value.

I haven't had any experience with their claims (hopefully won't ever need to...), but my uncle rolled a '68 Chevy pickup - he got estimates and they cut him a check, simple as that.

If you want, PM me and I'll dig out a phone number. My guy's in Dallas, but...

 

i understand that.. and i'm agreeing that it's crap and it should go based on driving record rather than age.. give them the benefit of the doubt from the start, or pay the hefty fine afterwards ya know? or as part of the contract (if an accident results in the vehicle being unrecoverable they'll pay half, the rest is up to you) that kinda thing i think is fair.. besides the point though..

the problem isn't that i'm trying to insure the vehicle my dad owns.. if they were to give me insurance (because i would need proof of insurance before i could register the car!) i would've transfered the title to my name, and i told them that.

i'm not so worried about them not covering ME... it's the fact that they will not cover it under my dad either now because i filled out an application. the idea was to get insurance, transfer the title, i register it as historic, life is good... but now they won't even cover it if my dad applied to have the car insured... so that totally rules them out as far as insurance, whether for me or my dad, they won't cover it PERIOD. that's the crap right there, not that i wasn't given the green light, it's that my dad can't insure it either because they're a bunch of lying stealing money hungry retards. and i feel that way about EVERY insurance company, i'm sure most of you would agree.

 

Try checking State Farm for classic car. My '69 costs $80/6 months, and has pretty good coverage. They asked me if I had primary vehicle, and that was it.

 

I think the reason they wont insure it under your dads name is because they now no your going to be the primary driver not your dad. Alot of these Ins. co. have regulations like that. I've already been told not to let anyone else drive my car by my agent.