Haggerty Just Lost A Customer

I have had State Farm for 20+ years and they have insured all my classics including a Vette, which noone wanted at the time. They are the cheapest, but I am 43 years old and have 4 cars with them.
Monthly cost for huge coverage is only $15 per for classics, of course my Trans Am is expensive but still lower than any comp I have had quote
Good Luck
JA

 

just an update on this... my dad's insurance agent gave my dad a quote of $261 for 6 months for $14,000 of coverage on the car.. plus an apprasial.. which i wouldn't come close to getting it appraised at $14,000.. reason being, i picked $14,000 because that's how much i have into the car.. figure i put my money in, i'll get it back if something happens...

needless to say i refused that quote... i'm not paying close to $600 a year for full coverage for those lying rip offs my dad has... he's heard my piece on them already..

i'm going to give state farm a call tomorrow and see what they can give me...

at this rate, the only way my car will make it to salem is by way of trailer... if i can find one by then... which is unlikely since insurance would probably be cheaper than buying the trailer.. and i refuse to pay that much money for a car that gets maybe 500 miles put on it every summer (a whole 4 months of the year its on the road)... can't wait to move outta michigan... they literally rape us here with this no fault crap, congress won't change it either, so they give insurance companies a nice excuse to rip us off

 

Kyle,
If I were you I would take that coverage for $261 for 6 months. I don't think you'll find anything better. It's time to cool down and face the obvious, at your age any car ins. is very expensive. Take it and enjoy your car !!:Smarty: :TU:

 

insurance

i'am sure your going to hurt hagerty by not giving them your business. your problem is you don't want to follow the rules. all of us on this board have been in your shoes at some point and we paid the freight. so why don't you grow up and stop your crying cause i for one don't feel a bit sorry for you. when i was your age i got killed by insurance companies.

 

sorry, i refuse to stand around and have my hard earned money thrown away for 3-4 months of driving my car 500 miles at most per year... that's nearly a 50 cents per mile that i'm paying for insurance, above and beyond the price of gas... so in reality right now it costs me what.. 70 cents per mile that i drive my car... drive to the store to get something and talk to some friends... costs me $2 to drive there.. another $2 to drive back...

i'd rather just have my car sit than dole out money for them to make their piggy banks more full.. i'll let the car sit until i'm 25 or can truly afford to just throw money around at will... i'll save that $1000 in the next 4 years and put it to good use.. say.. ON MY CAR..

pretty ridiculous that you think just because you had to put up with it means i have to put up with it.. ya know, every parents wants it better for their kids.. you don't seem to have that mentallity at all.. you think that because YOU went through it EVERYONE has to go through it.. no.. i think it's more or less time for people to stand up and start an effort to get better insurance prices... don't be an ass either. lots of people whine and complain on here about stuff, but never do anything about it, i'm trying to do something about it and instead you tell me to stop whining and complaining and acting like a baby... shove off..

 

This thread has probably gone about far enough, if it is at the point of hurling insults back and forth. How 'bout we put it to rest?


Moderator

 

fair enough man, i wanted suggestions, i got a few good ones, plus i got a load of BS from some other people.. it's one thing to give me constructive comments, it's totally different calling me a cry baby. to everyone who gave me help, thanks, i'm still working on contacting and finding the best price..

tried my local insurance agent and they wanted twice what haggerty offered .. for an "agent" she took the easy route and checked out one company, big whoop, shows how helpful she was.

state farm is up next, then i'm trying grundy and a couple others that were listed here.

it's pretty bad that it came down to people simply telling me in not so nice ways that i should just suck it up and bend over. i expected a bit more outta this forum but apparently i had some pretty high hopes and delusions that i'd get more help instead.

 

another update... called state farm.. they quoted me $119 for 6 months, $50 deductable ... car value set to $9000 (didn't need an appraisal.. somehow i don't think she'd be appraised for much more than that anyway)..

at this point, i'm gonna take it i think. much better price.. it comes out to about the same price as haggerty if you include the $50 deductable once... hopefully i'll never have to use it and as such i save myself $50 a year in insurance

 

You got pissed at them for the wrong reason. By not dealing with an agent through hagerty, you a) didn't have someone to fight your case for you, (they never would've had you go to this trouble in the first place!!) and b) weren't told that the reason you have this problem with them is simply that you have a 4:4 drivers to cars in the household ratio. Unfortunately many people try to save some bucks by lying that the kid drives the pinto and dad drives the expensive or high performance car. Underwriters aren't stupid. They almost all put the most risky driver on the most expensive car (CNA - Encompass is one who doesn't do that) no matter who really drives the cars because it always seems to be the kid who borrowed dad or moms car and wrecks it.

Because there (based on what I read) 4 drivers and 4 cars, they assume the worst case, which is there job, and have you driving the car full time. Too many people have given the "I only drive 2500 miles a year" story and when the claim happens the mileage shows they were going 15,000 a year. Unfortunately they have been burned enough times that it is just easier to say we can't help you. The colder people in our industry always give the "excuses are like a-holes, everyones got one" line to me.

If you had 5 cars and 4 drivers for instance, this wouldn't have happened. As long as there are 4 cars and 4 drivers with hagerty and most other companies, it doesn't matter who owns the car.

So don't be pissed at hagerty, be pissed at all the idiots who commit massive insurance fraud and drive up rates. It's not personal, it's business. There are a number of companies now that write classic car insurance and as you can see it pays to shop.

Just read the restrictions carefully because alot of the policies are just for shows and parades, or vehicle must be garaged when not in your sight, or no coverage when racing, or many other things!! And companies are serious about not paying if you violate the contract. Go over the restrictions very carefully with your agent.

____________

Ray

 

I had a good solution for being screwed by insurance companies.

No insurance until after I turned 25 3 years ago.

I got 2 tickets for a cost of around 500 dollars in 8 years versus the 24,000 it would have cost to insure myself for liability only.

To those thinking OMG No insurance!!! You could have hit someone!!! Ive never hit anyone or been hit in 13 years of
driving back and forth cross country, in NYC, Boston and now
Dallas.

Its not that hard to keep from slamming your car into things.

 

that's basically what my dad is doing... he drives his truck maybe to work (kinda a beyond retirement job that he just works part time at) and he drives like maybe 5 miles if that to goto work.. his truck is uninsured.. but it's ultimately cheaper to just uninsure the vehicle when it's not driven that much..

unfortunately in michigan, with no fault... they will hammer you like no tomorrow and probably tow your car if you have no insurance... that's not good.. but regardless, the odds of him getting hit (he hasn't been in a wreck or anything in years.. like 20...)

 

ou: !!!

 

A double ou: ou: !!!

Hope you guys don't drive near me or my family.

 

Now you see what I mean about why the rates are so high!! Of course if someone hit them, they'd be livid if the guy didn't have insurance to pay. Here in So Cal it's so bad that in some areas you see an accident in the intersection, and everyone gets out of the cars and runs for it. I've actually seen people just get in and take off with the wrecked cars!!

I never drive a car without uninsured motorists and umpd coverage, essentially paying for their insurance in case they don't have any.

When I was younger we were at the local street races here and a guy I knew rear ended me and pushed my 65 GS conv 425 dual quad 4-spd into a 67 427 vette ragtop. He got out of the car and screamed it was my fault for stopping too fast!! After my 2 shots to his jaw, a huge guy got out of the vette and pulled me aside and said I'll take care of this and proceeded to hit him so hard he was out before he hit the ground. The next week (post concussion) he came by to give me a check for parts. The guy in the vette got his check first!

Some guys gotta learn the hard way......


Ray

 

now i see why rates are so high? ha.. no, it's almost the chicken or the egg problem here.. what came first? the high insurance rates or people who don't have insurance because it's too expensive? if the rates were reasonable my dad would have it insured no problem. but like i said, we pay $4200 a YEAR in insurance.. 2 years thats $8400.. 4 years that's $16800... in 4 years of paying our insurance we could BUY a new car. now add to that if i were paying for insurance on a new car under myname and not my dad's.. i'd put away $20,000 in 4 years BY MYSELF.. you think that isn't raping the customer? give me a break... for those of you who agree with the rates.. you're pathetic. for those of you who stand up for them with these "facts" of why its so high.. you're pathetic.. i'm officially done with this topic because it seems quite a few of you are blind to the fact that no one in their right mind should have to pay that.. yet you think it's perfectly fine.. so screw it. i'm done trying to defend myself

 

Kyle, folks on this board are trying to give you good advice. I've been an insurance broker for 30 years and I don't like what I pay either- 4 vehicles and $6k per year.

When you are speaking with the Hagerty person on the phone, remember they generally have no authority to make exceptions, nor do they really understand how to underwrite a risk. They have rate pages and their guide book. You might well help yourself by calling JC Taylor and speaking with the real underwriter- probably called a state supervisor or underwriter. Call their home office and ask for the person responsible for your state. Suggest you and your Dad get on the line and explain your situation and ask for the underwriter's advice- ask for his help. Be straight up with him/her and explain your problem. Tell them you're squeaky clean and willing to prove it by sending them a MVR.

Those in a position to use their judgement usually want to help. But you've got to get to the right person, and you've got to drop the attitude. You don't need to go in on your knees, but you do need to be respectful and ask for help. Taylor can write directly, without an agent in between, in most states. Cultivate a relationship with your underwriter, even if it doesn't work out this time. You and your Buick have lots of years ahead of you and how you handle this now can affect you for a long time. Most carriers keep files on all applications, and you don't want to be marked as someone they might not want to do business with.

Hope you take this as intended- I believe everyone is just trying to give good advice. Best of luck and enjoy your ride!

:3gears:

 

Kyle and others without insurance might be able to pull it off and make it without accident involvement. But if they get into an accident, their fault or not, without insurance, the lawsuit and settlement against them will make sure they own nothing of consequence the rest of their lives, making the cost of insurance look pretty insignificant.

 

Insurance is for people who have something to lose! If you do not own anything of value, why have insurance? Get involved in an "at fault" wreck or in your "no fault" state, just a wreck period, what can the plaintiff get? Nothing! Cause your monetary value in this world is $0.00. If you are like most 20 year old students, at best you have a "negative worth" monetarily as you may have credit card debt or student loans. Therefore anyone who sues you will get NOTHING since you are worth nothing monetarily. At least NOW!

Since you are in school, it is a safe bet that you "aspire" to greater things in life than being broke forever. That is very admirable! Education is a blessing that can change your life for the better. It is also something that lawyers also love to see. Should you get sued with the plaintiff winning a judgement against you when you are young/uninsured may not seem like much now, it can be a BIG deal as you get older and more successful. That "judgement" does not go away and chances are good they WILL collect something from you in the future.

Your dad is a "loving father" to assume the risk/liability of having "YOU" drive "HIS" (ownership) car. Get in an accident and who will they go after? The dude with the bucks/assets, good ole Dad! Remember, you do not own anything so why have insurance?

Driving without insurance is an "irresponsible act" that many people in the country accept as "just fine and dandy" because the insurance companies are raping me for insurance. Isn't that why you driving Daddy's car? Maybe you should add a civics class to your current school curriculum to learn about civic responsiblity.

I happily purchase insurance for my cars and other assets as "I" have something to lose. It is my sincere hope that you also enjoy success in your life/career and will then understand why ownership/use/insurance requirements are so important so some broke SOB doesn't take the things you worked so hard to acquire when you make a mistake or become involved in an "at fault" accident.

Get involved in an "at fault" accident and you find that the value of your collector car is insignificant! Buy insurance, go to school, graduate, makes lots of money, become 40 years old and all this will come into clear focus and make lots of sense.

Good luck with school!

 

Don't move to New Jersey! $4k is a bargin here.

 

good grief... i knew there was a reason i stopped commenting on this thread... nothing but lecturing now. seriously, i get it ok? end it now instead of everyone repeating the same crap. i never said that _I_ drove an uninsured vehicle, so stuff it. why the crap am i LOOKING for insurance and why am i so freakin concerned about it if i already didn't understand what you're saying.. DUH...

there's certainly a generational gap here. you guys all think i'm stupid, and i think you're all being very ignorant of that fact. sure i might not know as much as you guys, but i'm not stupid and i understood this crap A LONG TIME AGO. so stop lecturing and get over it. MOST of what i said was because i was ticked off, you guys vent, i vent.. i don't lecture you when you vent, so why lecture me? when i see someone vent, i understand they need to vent and i give encouraging support, you guys on the other hand continue to make things WORSE by throwing useless crap that i already know at me.

*rolls his eyes* sometimes i wonder whether it's me that needs to learn or the older folk that need to learn. at least i can admit when i don't know everything but you guys keep ASSuming that i don't know any of what you stated already.

moderators, lock the thread please, thanks.