I must be getting old. Insurance question.
01-23-2012, 08:21 PM
#21
The price your paying also has to do with your credit. If you have shitty credit then your likely a shitty driver (in the insurance company's eyes). If you take care of your credit, pay your credit cards on time, never get too far into debt, then they believe you are likely to care more about driving better.
Some insurance companies may differ with how they calculate risk, but if your credit isn't so hot it might be the reason you pay a lot.
I pay 1200/year for full coverage on '02 SS and my '08 SRT8. The value on replacement of the Camaro is actual value including mods. I just have to keep receipts and pics of car.
Some insurance companies may differ with how they calculate risk, but if your credit isn't so hot it might be the reason you pay a lot.
I pay 1200/year for full coverage on '02 SS and my '08 SRT8. The value on replacement of the Camaro is actual value including mods. I just have to keep receipts and pics of car.
Very good to know. I think my credit is pretty alright last time I checked. Trying to keep it that way cause this year I am trying to buy a house, my first house. i am pretty sure my record is what the deal is. I'll make a call on what i am gonna do tomorrow I think.
Thanks for the heads up man.
01-24-2012, 04:18 AM
#22
Location plays into insurance cost as well. There is one agreed value policy that has a rider for taking the car to work once in a while, I know it wasn't Hagerty. Think it was either Grundy or Classic Car.
I spoke to a friend who owns a body shop about insurance, he told me the two that give the least hastle when you need them for repairs are Amica and Peerless (part of Liberty Mutual), the worst were Progressive and Geico. He told me Progressive fights with him all the time to use cheap or used parts and he would never use them for his Vette (he has a number of cars).
I plan to switch my driver's to Amica this year and my Vette to an agreed value policy that isn't too limiting on driving.
I spoke to a friend who owns a body shop about insurance, he told me the two that give the least hastle when you need them for repairs are Amica and Peerless (part of Liberty Mutual), the worst were Progressive and Geico. He told me Progressive fights with him all the time to use cheap or used parts and he would never use them for his Vette (he has a number of cars).
I plan to switch my driver's to Amica this year and my Vette to an agreed value policy that isn't too limiting on driving.
01-24-2012, 04:12 PM
#24
^^^ This.
My brother and I recently moved east, and when I told my agent where I moved to, he sounded scared. My rate for BASIC coverage would have gone up by about $30/mo just based on the fact that I now lived East of 441.
I told him I was kidding and left my old address
My brother didn't realize it was an issue, changed his address online, and got a $40 higher bill the following month...
My brother and I recently moved east, and when I told my agent where I moved to, he sounded scared. My rate for BASIC coverage would have gone up by about $30/mo just based on the fact that I now lived East of 441.
I told him I was kidding and left my old address
My brother didn't realize it was an issue, changed his address online, and got a $40 higher bill the following month...
01-25-2012, 04:40 AM
#26
I checked last night and found Leland West to be reasonable and you can get a rider to drive the car to work occasionally. You can also choose the annual mileage limits so there is some flexibility in the coverage. They also came out much less than Hagerty, nearly 40% less for me.
01-25-2012, 05:03 AM
#27
I checked last night and found Leland West to be reasonable and you can get a rider to drive the car to work occasionally. You can also choose the annual mileage limits so there is some flexibility in the coverage. They also came out much less than Hagerty, nearly 40% less for me.
01-26-2012, 12:19 PM
#28
Staging Lane
Join Date: Nov 2005
Posts: 55
Likes: 0
Received 0 Likes
on
0 Posts
01-26-2012, 09:27 PM
#29
Staging Lane
Join Date: Nov 2006
Location: Souther Minnesota
Posts: 92
Likes: 0
Received 0 Likes
on
0 Posts
Full coverage 300/500/300 with 500 ded.
04 sierra, 04 monte LS both daily drivers me for the truck and girlfriend in the monte
99 TA, 00 TA, 05 GTO, 22 Model T, 04 Monte SS Dale E.
I'm renewing both my policies through progressive next week $16xx for six months.
2010 Fat Bob Street Bob and 2005 Dyna WG for $714 a year.
Just turned 30 and have a horrible driving record.
04 sierra, 04 monte LS both daily drivers me for the truck and girlfriend in the monte
99 TA, 00 TA, 05 GTO, 22 Model T, 04 Monte SS Dale E.
I'm renewing both my policies through progressive next week $16xx for six months.
2010 Fat Bob Street Bob and 2005 Dyna WG for $714 a year.
Just turned 30 and have a horrible driving record.
