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312 Posts
Been with the big guys for a while now, State Farm and now All State. Typical BS, keeps going up for no reason and I hate it. Im 27, married, perfect record, etc..... No reason I should be paying anything higher. So I started looking into the specific collector car insurance companies. Talked to Hagerty, Barret Jackson, Grundy, etc... I also talked to Chubb collector car which I found thru Lockton, the track day insurance guys. They said that the Lotus is too new for them but if I had something 30+years or older they could do it in a collection, well I just so happen to have a '68 Charger that I am working on (and have been for 5+ years). So we talk some more and bounce around options.
They are an insurance broker so their name is not on the cards but after talking with them about car stuff for 30+ minutes I feel pretty comfortable with everything. They asked about auto cross/track days which I was reluctant to answer. I have had other places refuse to talk any further once I mentioned that. They said very clearly that it is no issue at all, I am insured right up to the pits and the second I leave there. 0 deductible ever, glass coverage and no mileage/usage restrictions. Plus their underwriter has a Lotus and was happy to see another one, guess he calls it the bumblebee or something like that. On top of all that they had the best rates anywhere. I am now at $1200 for the year and that now covers my Charger with no collision since it would have to be one hell of a scenario for it to be in a wreck since it has not left the garage in years (but will soon!)
I have an agreed value on both cars, the Lotus is at $36K and I can change it within reason any time I want. She was saying that Porsche guys are increasing theirs every few months it seems. I was also assured that if something happened to the car and it was estimated at $35.5K in repairs, it would still be fixed and not salvaged. It all sounds too good to be true but they have me on the hook now, hope all goes well from here on out. I just wanted to put the word out there now for the rest of you guys, check them out
They are an insurance broker so their name is not on the cards but after talking with them about car stuff for 30+ minutes I feel pretty comfortable with everything. They asked about auto cross/track days which I was reluctant to answer. I have had other places refuse to talk any further once I mentioned that. They said very clearly that it is no issue at all, I am insured right up to the pits and the second I leave there. 0 deductible ever, glass coverage and no mileage/usage restrictions. Plus their underwriter has a Lotus and was happy to see another one, guess he calls it the bumblebee or something like that. On top of all that they had the best rates anywhere. I am now at $1200 for the year and that now covers my Charger with no collision since it would have to be one hell of a scenario for it to be in a wreck since it has not left the garage in years (but will soon!)
I have an agreed value on both cars, the Lotus is at $36K and I can change it within reason any time I want. She was saying that Porsche guys are increasing theirs every few months it seems. I was also assured that if something happened to the car and it was estimated at $35.5K in repairs, it would still be fixed and not salvaged. It all sounds too good to be true but they have me on the hook now, hope all goes well from here on out. I just wanted to put the word out there now for the rest of you guys, check them out
