Does anyone have an opinion on insuring a Corvette through Hagerty?

 

I suggest you have them and Adam Boca at National Corvette Museum quote. Compare coverage and rates. I switched from Hagerty to NCM about 4 years ago, after seeing Hagerty rates continue to climb. NCM has been great and rates are unchanged since I enrolled.

Good luck with your research.

 

I've had Hagerty insurance in the past for another car, but not for my '73 Vette. A buddy of mine wanted to switch to Hagerty for his '77 Vette, but after he read the policy, he's deciding against them. It seems the policy implies coverage only for driving to and from car 'events', which leads me to question would they cover a fender bender in the 7-11 parking lot getting a gallon of milk. I think the way the policy reads, you'd be ok as long as the Vette isn't your primary car.
Thoughts?

 

I just got a quote from ncm. they are $100 cheaper than hagerty.

 

I shopped around and got the best price from Adam. I currently have 5 or 6 corvettes on the policy (I think). My 10 GS is on my regular policy.

Bob K.

 

I was ready to insure with Hagerty when I saw State Farm was a sponsor on Mecum Auctions. Never expected them to be involved in the classic car market! My daily drivers and homeowners insurance is with State Farm so I called my agent for a quote. Terms were not as restrictive as Hagerty's and I saved $40.00 on a 6 month policy!

 

Well I've had Haggerty for about 11 years never had a claim. The rates are like all ins. Co. little increases at renewal. I kinda looked around this last time Heacock was a lot cheaper reviews were bad. I forgot about the museum insurance.

 

I have my 74 insured with Haggerty and have been pleased. The policy does not limit mileage. I have my 80 and 01 with NCM. No real complaints there either, The mileage is limited to 6000 a year. My 92 is with Heacock, (because I went to high school with him). Haggerty was pretty straight forward, NCM wanted a lot of hoop jumping as did Heacock. I will probably switch all of them to Haggerty as they expire. As an after thought NCM and I could not come to terms at all on my 12 Camaro ZL1.

 

I use Grundy on all of my Vettes. It's an agreed upon full coverage insurance. I pay just under $500 a year for all of my Vettes.

 

I have my 76 and 84 both w/Hagerty.No restictions on miles.Great price!

 

I looked at Hagerty and NCM. Went with NCM because they seemed to be a little more reasonable about the use of the vehicle...bonus it was cheaper too.

 

Ive been looking for the last couple days for low mileage classic car insurance for my 80 resto mod I'm finally about to get on the road.

Grundy was the best price for me here in NV $25K value > $193 a year.

Dale

 

My 77 is insured through Haggerty. Appraised at $15,000. Full year coverage, roadside assistance..... $240 a year for Connecticut.

 

NCM insurance policy states the vehicle is not to be used for "errands." If I was hit in the parking lot of my local 7-11, my story would be; I was on a "pleasure cruise" and needed to stop for gas, or use the restroom.

 

Exactly. I had a long conversation with a Hagerty rep and she said the vehicle is never to be used to run an errand. But, if your out for a cruise/pleasure drive and need gas or membered you need a gallon of milk there no reason you cant stop 'on your way home'. She also told me it's OK to drive to work on occasion but they don't want you doing it too often.

They're all basically the same...

 

I have Hagerty on my 68 convert. 5000 miles per year allowance (I drove 265 miles in 10 months so far). They paid for my windshield replacement from a stone chip while doing a test drive to check tune up results. No hassles so far.

 

I had Hagerty which has a sterling reputation. But, when I shopped Corvette Museum insurance, Hagerty was not competitive for the same level of coverage. I'm staying with NCM.

 

And this becomes the problem...you think that your lie will work? Seriously, this is the crux of what I have pointed out on these threads before. These insurance companies put these "restrictions" in their policies, but in reality, how are these restrictions used in reality? Will they really deny claims if they find you have a gallon of milk in the seat? What is the point of these "restriction" statements when they make no sense. For me, or anyone else, to think they can lie their way out of this is B.S. ADAM, and NOM, can you explain? This entire thing, including similar restrictions on antique plates, is some crazy way to do something, but I can't see how it works in reality. My biggest issue is paying for insurance, and then having a claim denied by this vague silly restriction at the will of the agent, all when it is far too late.

I can imagine some would say,....hush, stop talking about it, nudge nudge, this is a good old boy scenario, and the rules are just there as some legal con job for lawyers, but in reality, we are all safe breaking the rules. Really! I am not interested in paying insurance based on this undefinable B.S. way of doing things. I want fine print clear cut and verifiable language that says my monthly payment is going to result in a check when I need it the most.

 

*** insert eye roll here***

I had a claim on Hagerty. They were great. Best of all they never even bothered to ask what I was doing, why I was driving, where I was going, or if I had a gallon of milk in the back. If fact the only thing they asked was if I was happy with the service I received.

 

I really think until you get a bunch of people taking advantage of classic insurance the market will be fine. Most people with classic cars treat them better than people. Most go out of the way to keep them protected. I hope I'm right