Author Topic: Big insurance savings advice.  (Read 2265 times)

Offline 76eldo

  • Posts: 6651
  • CLC Number: 22443
  • Name: Brian Rachlin
Big insurance savings advice.
« on: December 09, 2018, 06:13:39 PM »
I have been a long time customer of Grundy Insurance for my collector car policy.

I just switched to Hagerty and there was a $1000.00 difference in the premium.
So I have saved $1000.00 for my annual premium and had excellent service.
I went down the list, car by car, and have the same agreed values and saved a lot of money.

I wanted to let my Cadillac friends know about this. Might be worth looking into.

Brian
Brian Rachlin
Huntingdon Valley, Pa
CLC # 22443
I prefer email's not PM's rachlin@comcast.net

1960 62 Series Conv with Factory Tri Power
1970 DeVille Conv
1970 Eldo
1970 Caribu (?) "The Cadmino"
1973 Eldorado Conv Pace Car
1976 Eldorado Conv
1980 Eldorado H & E Conv
1993 Allante with Hardtop (X2)
2008 DTS
2012 CTS Coupe
2017 XT
1956 Thunderbird
1966 Olds Toronado

Offline harry s

  • Harry Scott 4195
  • Posts: 1924
Re: Big insurance savings advice.
« Reply #1 on: December 09, 2018, 06:30:41 PM »
My insurance is with JC Taylor and comes up in Feb. I'll be checking. Thanks for the heads up.      Harry
Harry Scott 4195
1941 6733
1948 6267X
2011 DTS Platinum

Offline jagbuxx #12944

  • Posts: 674
  • CLC Number: 12944
Re: Big insurance savings advice.
« Reply #2 on: December 09, 2018, 06:45:09 PM »
I have been with American Collector Insurance and have found them to be a bit more affordable plus I was able to have them cover my
2003 Thunderbird
2007 Corvette &
2008 STS
As all these cars are driven less than 500 miles per year....
Frank Burns #12944
76 Coupe d'Elegance EFI Galloway Green Firemist
70 deVille Convert San Mateo Red
61 Coupe Deville Bristol Blue
41 Series 61 Deluxe Coupe 6127D Black
08 STS 3.6 1SC  Thunder Gray
16 GTI Gray
03 T-Bird Black
16 Grand Cherokee Summit, Granite
19 Tiffin Phaeton 40AH
07 Corvette Blue
20 MB S450 White

"Whatever the occasion, there
is no better way to arrive than in a Cadillac.

Offline 76eldo

  • Posts: 6651
  • CLC Number: 22443
  • Name: Brian Rachlin
Re: Big insurance savings advice.
« Reply #3 on: December 09, 2018, 07:29:11 PM »
I did not check other companies and it’s quite possible that there are some that may be a better value for your particular situation.

I had to make a time sensitive decision and with the savings I saw I just made a quick decision. 

Maybe when the policy is due again I’ll check around some more.

Brian
Brian Rachlin
Huntingdon Valley, Pa
CLC # 22443
I prefer email's not PM's rachlin@comcast.net

1960 62 Series Conv with Factory Tri Power
1970 DeVille Conv
1970 Eldo
1970 Caribu (?) "The Cadmino"
1973 Eldorado Conv Pace Car
1976 Eldorado Conv
1980 Eldorado H & E Conv
1993 Allante with Hardtop (X2)
2008 DTS
2012 CTS Coupe
2017 XT
1956 Thunderbird
1966 Olds Toronado

Offline smatarese

  • Posts: 43
  • CLC Member #29516
  • Name: Stephen Matarese
Re: Big insurance savings advice.
« Reply #4 on: December 09, 2018, 07:47:56 PM »
Hagerty also has a discount for being a member of the CLC. I believe it’s 5%.
1959 Eldorado Biarritz
1960 Eldorado Brougham

Offline Cape Cod Fleetwood

  • Posts: 2528
  • CLC #31411
  • Name: Laurie Kraynick
Re: Big insurance savings advice.
« Reply #5 on: December 09, 2018, 10:49:59 PM »
The Ark is insured with Hagerty. Right now insured for 7K, $171.00
I'll be calling tomorrow to raise the value to 10K, what I have invested.
Every time I've called Hagerty for a free tow, the truck was here in less
than an hour. So far so good with Hagerty.

\m/
Laurie
« Last Edit: December 09, 2018, 11:46:36 PM by Cape Cod Fleetwood »
There are 2 kinds of cars in the world, Cadillac and everything else....

The Present -1970 Fleetwood Brougham

The Past -
1996 Deville Concours
1987 Sedan De Ville "Commonwealth Edition"
1981 Coupe De Ville (8-6-4)
1976 Sedan De Ville
1975 Sedan De Ville

The Daily Driver and work slave -
2008 GMC Acadia SLT *options/all

Offline caddydaddy1960

  • Posts: 26
  • Name: Michael Heinz
Re: Big insurance savings advice.
« Reply #6 on: December 10, 2018, 09:45:14 AM »
Hello all,

I've used J C Taylor for ten years now and have found them easy to deal with.  I have an agreed upon value for my 1960 Coupe de Ville of $22,000 and $8,000 for my 1966 Sedan de Ville with an annual premium of $245.00 for both.  That includes full coverage with everything except towing.  I have AAA towing for our family cars which also covers the vintage vehicles.  I appreciate what Haggerty does to support our hobby, but I couldn't rationalize the huge price difference.  It certainly pays to shop for the best rates.


Happy Holidays,

Michael
1960 6337 Coupe Deville (sold 12/20)
1966 68339 Sedan Deville
Director, West Michigan Region CLC

Offline 76eldo

  • Posts: 6651
  • CLC Number: 22443
  • Name: Brian Rachlin
Re: Big insurance savings advice.
« Reply #7 on: December 10, 2018, 08:37:17 PM »
AAA is THE WORST!

I broke down in a 1948 Packard I was driving home from a show as a favor to someone.  AAA first said they would have a truck out there within an hour which is what they normally do.  After 90 minutes I called back and they said it would be another hour.  This was a really hot day and I was also in a 6 volt car with a dead battery and no cell charger.

After two more calls and two more excuses and being on the side of the road for over 3 hours, they finally told me that they could not find anyone that was willing to pick up a 48 Packard.  I explained to her that this car is much easier to deal with than a new Corvette or anything else that sits low to the ground.  This is an easy car to hook.  Didn't matter at all.  I had to get a relative to come and get me with my own trailer.  So they did absolutely nothing.

To make matters even worse, the other day after I took the towing plan from Hagerty, I called AAA to cancel.  My policy renewed in the summer so I figured I would be entitled to a refund.  No Dice.  Their policy is that they do not give refunds.  I am not done with them yet.

Brian
Brian Rachlin
Huntingdon Valley, Pa
CLC # 22443
I prefer email's not PM's rachlin@comcast.net

1960 62 Series Conv with Factory Tri Power
1970 DeVille Conv
1970 Eldo
1970 Caribu (?) "The Cadmino"
1973 Eldorado Conv Pace Car
1976 Eldorado Conv
1980 Eldorado H & E Conv
1993 Allante with Hardtop (X2)
2008 DTS
2012 CTS Coupe
2017 XT
1956 Thunderbird
1966 Olds Toronado

Offline 6caddy2

  • Posts: 175
  • CLC Number: 29214
  • Name: J.W. Nold
Re: Big insurance savings advice.
« Reply #8 on: December 10, 2018, 08:46:52 PM »
Hold your course Brian, that's what they want you to do is give up, squeaky wheel gets the grease!
I have been with Hagerty for quite some time now, and not just with Cadillac's, as with any company there is good and bad, but Hagerty has sure done a great job for us!


Joe
1962 convertible
1979 Fleetwood brougham d'Elegance
1981 Coupe deVille 368 FI 864
1996 Fleetwood Brougham
SOLD- 1978 sedan deVille

Re: Big insurance savings advice.
« Reply #9 on: December 11, 2018, 01:40:23 AM »
+1 on Hagerty.  I've been with them for over 20
years.

I've never had a claim. but a friend who had his '55
Eldorado severely damaged in a fire had them.  They
wrote him a check for $120k and didn't blink an eye. 
It was a frame off, fully restored car.

Mike
1955 Cadillac Eldorado
1973 Cadillac Eldorado
1995 Cadillac Seville
2004 Escalade
1997 GMC Suburban 4X4, 454 engine, 3/4 ton
custom built by Santa Fe in Evansville, IN
2011 Buick Lucerne CX
-------------------------------------
CLCMRC Museum Benefactor #38
Past: VP International Affiliates, Museum Board Director, President / Director Pittsburgh Region

Offline StevenTuck

  • Posts: 1055
  • CLC Member # 16507
  • Name: Steven M. Tuck
Re: Big insurance savings advice.
« Reply #10 on: December 11, 2018, 07:17:01 AM »
I have been with CLASSIC COLLECTORS by Infinity Insurance for many years. I checked all the major providers mentioned. CLASSIC COLLECTORS provides agreed value, 6,000 driving miles a year and double the towing coverage of others, all for less money. I have had two minor claims that were paid quickly.
1962 Cadillac Eldorado Biarritz
http://bit.ly/1NfPNHE
Car Show Signs and Car Photo Books
http://carshowsigns.net/

Offline Maynard Krebs

  • Posts: 266
  • Name: Gerald F. Chase
Re: Big insurance savings advice.
« Reply #11 on: December 11, 2018, 04:32:14 PM »
AAA is THE WORST!
Brian

I sure believe your tale of woe with AAA, Brian.

Some years ago, a front brake caliper seized on my daily driver, stuck in downtown Boston in early evening.   Finally, after almost two hours, a truck showed up....... and, despite my AAA card, said flat bed driver would not accept the AAA card --- even though I placed the call to AAA in the first place.   

Then, after getting it home late, said truck driver insisted on CASH.   Fortunately, I had enough at home that night..... losing three hours in the process, though I was only 35 miles away.

So, I documented it all, and sent a letter of protest to the AAA headquarters for my area.   It was totally ignored!   You're right:  they're terrible!   What good is a AAA membership, anyway??
« Last Edit: December 11, 2018, 04:34:08 PM by Maynard Krebs »

Offline gkhashem

  • Posts: 1118
  • CLC Number: 26576
  • Name: George K Hashem
Re: Big insurance savings advice.
« Reply #12 on: December 11, 2018, 05:49:46 PM »
As I remember with Hagerty they will not tow a car from your driveway to a mechanic only road service.

I do have AAA also and they would tow my car in my driveway to a mechanic. So beware of that scenario. Hagerty only covers towing while away from home.
1959 Oldsmobile 98 Holiday Sports Sedan
1964 Oldsmobile 98 Town Sedan (OCA 1st)
1970 GMC C1500
1977 Oldsmobile 98 Regency Coupe
1978 Cadillac Coupe Deville (Sr Crown #959)*
1984 Oldsmobile Delta 88 Royal Brgham Coupe (OCA 1st)
1991 Oldsmobile Toronado Trofeo (OCA 1st)
1991 Cadillac Eldorado Biarritz (Sr #838)
1992 Oldsmobile 98
1996 Oldsmobile 98
*PastPres

Offline 35-709

  • Posts: 5364
  • The most valuable antique is an old friend.
  • CLC Number: 4719
  • Name: G. Newcombe
Re: Big insurance savings advice.
« Reply #13 on: December 11, 2018, 06:55:01 PM »
Hagerty will indeed tow from your home to a shop/mechanic, they flatbedded my '35 (Big Red) with a broken upper A-arm to my shop of preference 30 miles away.  I called them with a date and time and the truck showed up on time --- a little early even.  Also paid out my $10,000 claim after I was rear-ended at a downtown stoplight by a 40 something y.o. woman who was texting at the time.  It's a car, I drive it, Hagerty has taken good care of me.   :)   
« Last Edit: December 11, 2018, 06:58:11 PM by 35-709 »
1935 Cadillac Sedan resto-mod "Big Red"
1973 Cadillac Caribou - Sold - but still in the family
1950 Jaguar Mark V Saloon resto-mod - Sold
1942 Cadillac 6269 - Sold
1968 Pontiac Bonneville Convertible
1935 Glenn Pray - Auburn Boattail Speedster, Gen. 2

Offline Matt CLC#18621

  • Posts: 707
  • CLC Number: 18621
  • Name: Matt Shafer
Re: Big insurance savings advice.
« Reply #14 on: December 11, 2018, 10:59:40 PM »
I just renewed my 2010 Challenger SRT8 with Grundy with max $500K liability, ZERO deductibles and more than generous agreed upon value for what I deemed to be an extremely reasonable price in Bergen County New Jersey.

Grundy was also excellent in paying a claim on my 99 Mustang. The adjuster arrived within days and check for 100% of claim shortly thereafter.

Excellent claim service received from Haggerty when I had a claim on my 78 Biarritz with Power T-Tops. The adjuster found the necessary parts and paid 100% with no hassle.

Regards,
Matt

Offline Cape Cod Fleetwood

  • Posts: 2528
  • CLC #31411
  • Name: Laurie Kraynick
Re: Big insurance savings advice.
« Reply #15 on: December 12, 2018, 12:16:41 AM »
As I remember with Hagerty they will not tow a car from your driveway to a mechanic only road service.

I do have AAA also and they would tow my car in my driveway to a mechanic. So beware of that scenario. Hagerty only covers towing while away from home.

Negative statements on both AAA and Hagerty.
AAA has towed my cars to where ever I wanted them towed, this is the Gold Card if it makes a difference.
Hagerty has towed my car from home to the shop and home again.
AAA is the first 100 miles free, Hagerty is the first 15 free. Its why I used AAA to bring the Ark home from Gillette instead of using Hagerty. AAA gives you 4 100 mile tows per year, Hagerty unlimited 15 mile tows per year.

\m/
Laurie
There are 2 kinds of cars in the world, Cadillac and everything else....

The Present -1970 Fleetwood Brougham

The Past -
1996 Deville Concours
1987 Sedan De Ville "Commonwealth Edition"
1981 Coupe De Ville (8-6-4)
1976 Sedan De Ville
1975 Sedan De Ville

The Daily Driver and work slave -
2008 GMC Acadia SLT *options/all

Offline 76eldo

  • Posts: 6651
  • CLC Number: 22443
  • Name: Brian Rachlin
Re: Big insurance savings advice.
« Reply #16 on: December 12, 2018, 09:11:58 AM »
If I am broken down in my own driveway I’m fine. I’ll fix it here.
NO mechanic touches my vintage Caddies. Only me or Joe Caristo.

I’d never leave any of my cars with a mechanic.
Brian Rachlin
Huntingdon Valley, Pa
CLC # 22443
I prefer email's not PM's rachlin@comcast.net

1960 62 Series Conv with Factory Tri Power
1970 DeVille Conv
1970 Eldo
1970 Caribu (?) "The Cadmino"
1973 Eldorado Conv Pace Car
1976 Eldorado Conv
1980 Eldorado H & E Conv
1993 Allante with Hardtop (X2)
2008 DTS
2012 CTS Coupe
2017 XT
1956 Thunderbird
1966 Olds Toronado

Offline dolph4golf

  • Posts: 64
Re: Big insurance savings advice.
« Reply #17 on: December 12, 2018, 09:42:45 PM »
My 58 being loaded on a Hagerty supplied flatbed.
They have never had an issue picking up at the house and delivering to a mechanic.
Unlimited 150 mile towing, including vehicles I happen to be a passenger in.
$150 per year for the hagerty plus
Randy
Randolph Hane
clc# 22326
1941 Cadillac Convertible Coupe
1953 Eldorado #66
1953 Eldorado #513
1958 Eldorado Biarritz
1960 Eldorado Biarritz
1982 Coupe Deville
2004 Deville
2009 XLR

Offline David King (kz78hy)

  • Posts: 1647
  • Check out the Eldorado Brougham Chapter
  • CLC Number: 22014
  • Name: David King
Re: Big insurance savings advice.
« Reply #18 on: December 15, 2018, 06:28:50 PM »
I have had Haggerty for over 20 years.  Always fair and the only claims have been a couple of tows.  I have had friends which have had to make claims, some big, and EVERYONE is happy with quick and fair results.  To me, the great claims side of the business is what really matters.  Saving ten bucks and then not getting a claim covered adequately is a false economy.

David
David King
CLC 22014  (life)
1958 Eldorado Brougham 615
1959 Eldorado Brougham 56- sold
1960 Eldorado Brougham 83- sold
1998 Deville d'Elegance
1955 Eldorado #277
1964 Studebaker Commander
2012 Volt
CLCMRC benefactor 197

Director and Founder, Eldorado Brougham Chapter
Past President, Motor City Region

Rare Parts brand suspension parts Retailer via Keep'em Running Automotive

Offline StevenTuck

  • Posts: 1055
  • CLC Member # 16507
  • Name: Steven M. Tuck
Re: Big insurance savings advice.
« Reply #19 on: December 16, 2018, 10:31:22 AM »
I just got Hagerty to quote me on the same exact coverage I have with Classic Collectors by Infinity. Hagerty was $95 more per year. Read my earlier reply.
1962 Cadillac Eldorado Biarritz
http://bit.ly/1NfPNHE
Car Show Signs and Car Photo Books
http://carshowsigns.net/

 

Sitemap 1 2 3 4 5 6 7 8 9 10 11 12 13