need auto insurance help please

86 coupe

86 coupe

Club Member
anybody here an insurance agent or know anyone who is? want to put the car on the road but i would like to get more coverage than just plpd. car is an 86 mustang. thanks
 

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has something to do with me and my girl not being married. all of our policies are in her name with me included on the coverage(we live together), but since i'm not the primary insured they said no go. i even asked if they would cover it if i put the car in her name, they said no to that also.
 
86 coupe said:
has something to do with me and my girl not being married. all of our policies are in her name with me included on the coverage(we live together), but since i'm not the primary insured they said no go. i even asked if they would cover it if i put the car in her name, they said no to that also.
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Haggarty has alot of stupid rules...get an appraisel, usuallyabout 120 bucks, and take it to your current insurance company. But talk to your agent first. If you need a new agent let me know i have a good one in south dearborn heights. My stang is insured full coverage through him, but not based upon appraisel.

Moneypit...i never said AGREED value, i said appraised.
 
yes an appraised value doesnt mean shit they will still tell you what the car is worth, agreed value means car is a total loss they cut you a check for the agreed amount
 
moneypit said:
yes an appraised value doesnt mean shit they will still tell you what the car is worth, agreed value means car is a total loss they cut you a check for the agreed amount
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buddy of mine had an appraisel done on a truck, insurance used it to base an agreed upon value...but that was a few yearrs ago.
 
I would also try Grundy. Is there a reason why YOU can't insure your own car? This is a red flag for any insurance company. As mentioned, you also need to be 25 or 26, a secure storage situation (locked garage or storage unit) and the car can't have nitrous.

And for Billydroveit, unless you have an Agreed Value policy, then all you have is a Stated Value policy. Stated Value is no different than daily driver insurance. They may give you what you think you insured it for or they may not. If the adjuster doesn't agree with your appraisal, they can give you less depending what they think of your car. This is how State Farm, Allstate, Nationwide, etc., do business. All your appraisal does is cap a limit for what they will give you if the car is a total loss.

As an example, everyone on here likes using the same appraiser because the guy will put a number down far higher than the true value of the car. Let's say you're with State Farm. Let's also say that you stuff the front end of your car and you insured it for $25K because that's what your appraisal says it's worth...(wink, wink, nod, nod). State Farm's adjuster goes out and sees the car and has an estimate for $10K, and thinks the car is worth $12K. Guess how much you're getting and the number isn't $25K. Do this with Grundy or Hagerty and the car gets fixed.
 
haggerty and grundy as also way cheaper than others but you cant daily drive the car, Haggerty insures wifes typhoon agreed value of 12k for 260.00 per year zero deduct on everything ,
 
its a running and driving truck thats the value of the truck and parts, the 12k was before the paint process began
 
I use haggerty for my 928. They've been very good to me (even had a claim). They turned me down at first, but after talking to them, they eventually agreed. Fair price and much less restrictive on driving than Grundy.
 
BrainFearGone said:
Do either have a vehicle age minimum?
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moneypit said:
25
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The answer is no. I've looked at a 2009 Dodge Challenger SRT8 for Hagerty and a 2008 Ford Mustang GT for Grundy. I've even looked at a 2003 Jaguar S-Type. I've looked at Lamborghini's of various vintages, Corvettes (including a 2009 Z06). While I doubt they'd look at a 2011 Chevy Cruze as a collectable car, there is no age requirement. And yes, I've looked at numerous Fox and SN-95 Mustangs.

Hey Moneypit, you realize your Typhoon isn't 25 years old, right?
 
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