I think I'm going to change insurance on my Dart

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toolmanmike

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I had to stop into my house insurance office this afternoon. When I was there, I noticed a car calendar on the wall and I asked if they handled collector car insurance. They do! It's called "Chrome" and it sounds pretty good. It's a full coverage policy and they use "agreed/stated value" that can be done through my local agent up to $20,000 value without a official appraisal. You can drive it anywhere up to 10,000 miles a year.They have a optional roadside service/flatbed towing option and in case of accident or breakdown you can use the repair shop of your choice including home repairs if needed. They also cover $500 worth of spare parts you have laying around in your garage. My agent popped some numbers in the computer and a $500 deductible full coverage policy for $10,000 value should run me $50 every 6 months. I need to look at what I pay for just disability with my car insurance company but I'll bet it's more than $100/year. Check out http://www.anpac.com/ and click on Collector Vehicle under the Products tab on the right. The company owners have collector cars and spend time at the Power Tour and events like that. They are car guys too. Their calendar cars are owned by their customers and on their website they have car of the month contests etc. Check it out. tmm
 
Signed up yesterday. $10,000 value, $500,000 liability full coverage with $500 deduct. I can drive 10,000 miles a year and if I don't have a claim in 3 years, I get a 25% discount on my car and house insurance. $56.00 every 6 months. If I'm out driving at night and smoke a deer I'm covered and I can fix it myself if I want. Mikee Likee
 
Signed up yesterday. $10,000 value, $500,000 liability full coverage with $500 deduct. I can drive 10,000 miles a year and if I don't have a claim in 3 years, I get a 25% discount on my car and house insurance. $56.00 every 6 months. If I'm out driving at night and smoke a deer I'm covered and I can fix it myself if I want. Mikee Likee

Nice deal Mike, when i get me another one i'm going to look into them also.
 
Not to bash this but they only have a single A rating. I'll stick with Hagerty.
At least from my experience never a claim problem, and really not a big price difference.
 
I also use Hagerty. I have a $20,000 policy with no deductible and free glass replacement plus there are no restrictions on mileage. Cost is $229 per year
 

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I also use Hagerty. I have a $20,000 policy with no deductible and free glass replacement plus there are no restrictions on mileage. Cost is $229 per year

Thats cheap, They quoted me $209 a year for $8500 agreed value on my 73 318 Duster.
 
My family had all our insurance with them for ten years just over 15,000 a year we would spend with them. My dad backed into a tree with our 68 Coronet R/T and did bent the rear bumper and the bumper bracket on the left side. He had the to get a lawyer to get paid. My wife rolled our Cherokee and they told me that they wouldn't settle the claim until I returned my rental car. I returned it, and had to get a lawyer to get my settlement. Then my agent calls me and tells me that if I get life insurance through them the will not drop me. I got life insurance and a month later I got dropped. With Allstate and Hagerty now and had claims with Allstate on my wife Pacifica and house. Everything went perfect, fast payment.
 
I had to stop into my house insurance office this afternoon. When I was there, I noticed a car calendar on the wall and I asked if they handled collector car insurance. They do! It's called "Chrome" and it sounds pretty good. It's a full coverage policy and they use "agreed/stated value" that can be done through my local agent up to $20,000 value without a official appraisal.


The part in bold would make me concerned. I would make sure your policy says "agreed" and not "stated". No where in that policy do you want it to say stated value.
 
Thanks for the feedback guys! (Good or bad) I know there are better products out there. It's just good to hear the differences. tmm
 
You just need to be cautious of the "stated" value. If something happens to your car the insurance company will pay you book value and not necessarily what you have in it.

Agreed value means that you and the insurance company agree on it's value and if it were to be a total loss that is what you would get.
 
nice to hear good things about hagerty - here in Nova Scotia I use Silver Wheels which is now called Hagerty/Silver Wheels and a 15,000 policy will cost me $133 with full coverage and $100 deductable

X2 with the agreed price - that is how my policy was worded and documented - dont assume an implied value
 
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