Agree Value Insurance

I pay like $675 a year for four cars with Hagarty. Agreed value $35k.
The other cars are a 1981 Lancia Beta Zagato, 1979 Alfa Romeo Alfetta GTV, 1988 Alfa Romeo Milano Verde.

 

Hagerty Ins. $600 a year...no deductable ... agreed value $35000..1980 400i. Jq.

 

The reason USAA is higher is they only broker the agreed coverage. It ends up at American Collectors and Hagarty has them beat.
Greg

 

I ahve all my cars with Hagerty and do update the value each time I do significant work on them;love the service and help they give and their prices

 

I have Grundy via a Philly agent. My agreed value is $30K (no deductible) with a premium of $204 for the agreed value and total premium of $471 with $500K liability, $250K medical and $250 towing.

They raise agreed value 4% a year. A couple of years ago I pushed back on the increase but I am letting it increase now, especially since I sold second car on policy.
Ken

 

I think the operative word here is experience,…i.e.,e.g., claims experience.

After all, isn't that what separates the men from the boys in the insurance business. That whole claims experience is huge! Here's JD Power's take:

2014 U.S. Auto Insurance Study | J.D. Power

And check out USAA's rating
But the references to premiums paid is good side info.! I remember switching from Hagerty to USAA (American Collector's) because of the rate decrease. And I think the premiums are going to vary from location to location due to past claims.

I've been carrying a $37,500. agreed value for quite some time & I should give Hagerty a call to see how their rate compares with USAA's.

 

......and I have USAA for all of my daily driver cars.

 

Same here

 

I've had USAA from the day I bought my Porsche 356B 45 years ago. I have also had them do all the other cars as they came and went. It was USAA that recommended a stated value policy on the 356. At the time American Collectors was nearly double Hagerty's quote. So I reluctantly removed the Porsche from its long time insurer and went to Hagerty. I also remember Amreican Collectors being pretty alergic to the idea you might actually drive a car they insured.

Thankfully I have not had a claim to test Hagerty but I can tell you their road service is outstanding. When I needed it I was out standing on a lonely road in the Ozarks. The 400i and I were rescued within an hour.

Hagerty seems to be an agent for an insurer based in Pewaukee, Wisconsin.

Greg