Insurance
Thread Starter
Burning Brakes
Joined: Nov 2004
Posts: 834
Likes: 1
From: Keller Texas
Insurance
I am going to change Insurance companies in about 2 months or so and was wonder who may be the best and the cheapiest? I have a 96 with LT4 and it is not a daily driver but I do want to drive it when I want to!. I will not put more than 5k a year on it
Le Mans Master
Joined: Oct 2004
Posts: 7,706
Likes: 485
From: Everett WA
C4 of Year Finalist (appearance mods) 2019
It depends on at least the following:
How old you are.
How many drivers on your policy & their ages
How many vehicles you own
How many other policies do you carry from that company
Where you live
How much of a bad boy you've been in the past 36 months.
Check with 3 or 4 major companies to obtain competitive quotes.
No one can answer the question of whats the best & who's the least expensive because everyone's situation is different.
How old you are.
How many drivers on your policy & their ages
How many vehicles you own
How many other policies do you carry from that company
Where you live
How much of a bad boy you've been in the past 36 months.
Check with 3 or 4 major companies to obtain competitive quotes.
No one can answer the question of whats the best & who's the least expensive because everyone's situation is different.
Team Owner
Joined: Aug 2000
Posts: 40,156
Likes: 45
From: San Pedro CA
Why are you changing insurance companies?
In many states, your credit rating is an important factor with assessing your rates.
Also, if you have been with a company for a long time, you generate discounts that will not transfer.
I just moved to Los Angeles and brought my State Farm insurance with me, it was a bit pricier than say, Mercury, but the overall service and services offered are worth it (Mercury's idea of house rental insurance was a JOKE).
In many states, your credit rating is an important factor with assessing your rates.
Also, if you have been with a company for a long time, you generate discounts that will not transfer.
I just moved to Los Angeles and brought my State Farm insurance with me, it was a bit pricier than say, Mercury, but the overall service and services offered are worth it (Mercury's idea of house rental insurance was a JOKE).
Thread Starter
Burning Brakes
Joined: Nov 2004
Posts: 834
Likes: 1
From: Keller Texas
Originally Posted by bogus
Why are you changing insurance companies?
In many states, your credit rating is an important factor with assessing your rates.
Also, if you have been with a company for a long time, you generate discounts that will not transfer.
I just moved to Los Angeles and brought my State Farm insurance with me, it was a bit pricier than say, Mercury, but the overall service and services offered are worth it (Mercury's idea of house rental insurance was a JOKE).
In many states, your credit rating is an important factor with assessing your rates.
Also, if you have been with a company for a long time, you generate discounts that will not transfer.
I just moved to Los Angeles and brought my State Farm insurance with me, it was a bit pricier than say, Mercury, but the overall service and services offered are worth it (Mercury's idea of house rental insurance was a JOKE).
Well at the moment I am with Leland West and it is a joke. I can not drive the car any where and it be covered. I have a great credit score and no accidents. I just want to be able to drive the car at any time and any where! It is not a daily driver but there are times that I may want to drive it to work or what ever. All state was way too high and Leland was about half the pric. The insurance co tells you allot of things you cant do but very few that you can. I have only been with them for 1 year so no big deal. I just checked with Grundy and they said it was too new of a car so they will not cover it. It is a 96 with a LT4
Racer
Joined: May 2005
Posts: 279
Likes: 0
From: houston texas
Originally Posted by RED LT4
I am going to change Insurance companies in about 2 months or so and was wonder who may be the best and the cheapiest? I have a 96 LT4 and it is not a daily driver but I do want to drive it when I want to!. I will not put more than 5k a year on it
Last edited by stormin310; Aug 2, 2005 at 08:43 PM.
Melting Slicks
Joined: Aug 2004
Posts: 2,042
Likes: 0
"In many states, your credit rating is an important factor with assessing your rates."
Some states have outlawed that bull$hit practice, I guess not all of the politicians are in their (insurance companies) pockets.
Some states have outlawed that bull$hit practice, I guess not all of the politicians are in their (insurance companies) pockets.
Racer
Joined: May 2005
Posts: 279
Likes: 0
From: houston texas
Originally Posted by lt4dogman
"In many states, your credit rating is an important factor with assessing your rates."
Some states have outlawed that bull$hit practice, I guess not all of the politicians are in their (insurance companies) pockets.
Some states have outlawed that bull$hit practice, I guess not all of the politicians are in their (insurance companies) pockets.
Team Owner
Joined: Jun 2005
Posts: 46,295
Likes: 2,596
From: Northern, VA
St. Jude Donor '15
"In honor of jpee"
Mr. P is right, it depends on an awful lot of factors, all of which he covered. I"ve had tremendous service from State Farm in four states. I know ONE company that I wouldn't go with and it's something "g" to start with. In one of those expensive states, I have heard that the three best are AAA's, Farmers and State Farm. It's your money so I understand if you want the least cost per year. I wanted full replacement value and no drop if something happens. That's what I got with State Farm. (and no, I don't work for them and never have)
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Racer
Joined: May 2005
Posts: 279
Likes: 0
From: houston texas
Originally Posted by LT4CompYell
Mr. P is right, it depends on an awful lot of factors, all of which he covered. I"ve had tremendous service from State Farm in four states. I know ONE company that I wouldn't go with and it's something "g" to start with. In one of those expensive states, I have heard that the three best are AAA's, Farmers and State Farm. It's your money so I understand if you want the least cost per year. I wanted full replacement value and no drop if something happens. That's what I got with State Farm. (and no, I don't work for them and never have)
Last edited by stormin310; Aug 2, 2005 at 09:20 PM.
Advanced
Joined: Jun 2005
Posts: 85
Likes: 0
From: In a 1995 M6 Coupe, speeding through Connecticut
Originally Posted by stormin310
I also have a '96 LT4 mint condition 54,500 miles am going with american hobbyist 215.50 a year with no mileage restriction. Only stipulation is don;t drive to work. $50 deductible comp and $200 collision 19k agreed value.....Alwys ride my harley to work when weather is nice so the no work thing is no big deal....
Thanks for the tip!
Race Director
Joined: Apr 2004
Posts: 17,066
Likes: 3
From: Milpitas ca
I have Esurance for my 92. Pretty cheap (480.00 year) but they charge you for just about everything. I made a phone call to them telling them there was an error on the VIN number on my ID card and they charged me 3.00. 
Melting Slicks
Joined: Dec 2004
Posts: 2,954
Likes: 2
From: Obama=death for America
I'm with American Collectors. They have one of the lowest prices around. And I checked many companies. There are a few stipulations. You must have another car that you use as your DD. And you are limited on mileage. If you will be under 5,000 a year, you'll have no problem. Here's a link to their site and you can get an on-line quote.
http://www.americancollectorsins.com/
http://www.americancollectorsins.com/
Racer
Joined: May 2005
Posts: 279
Likes: 0
From: houston texas
Originally Posted by 85 500 horse
I'm with American Collectors. They have one of the lowest prices around. And I checked many companies. There are a few stipulations. You must have another car that you use as your DD. And you are limited on mileage. If you will be under 5,000 a year, you'll have no problem. Here's a link to their site and you can get an on-line quote.
http://www.americancollectorsins.com/
http://www.americancollectorsins.com/
Racer
Joined: May 2005
Posts: 279
Likes: 0
From: houston texas
Originally Posted by 85 500 horse
Didn't know that. Thanks for the info. My car's an 85.
Le Mans Master
Joined: Dec 2000
Posts: 7,839
Likes: 22
From: San Diego, Ca
Any of the major carriers should offer the same in terms of Coverage with few, if any variations in policy language. State Farm has an excellent service reputation (well, except for a little business about using aftermarket fenders in lieu of OEM on repairs - but that was settled for 32 mil or there abouts), largely because their Agents have the authority or wherewithal to make sure the nickel and dime stuff is paid for. You can get an online quote from Progressive. I'm with the Auto Club and pay $500/year for the Vette with $500 Deductibles, but they also have my other 2 cars, the homestead and throw in a few other discounts based on vehicle equipment, profession as well as where I live. I also live in a State where if an insurance company burps, the legal profession drags them into Court and generally makes the Underwriters, Actuarys, Claims Professionals (and at least 1 or 2 CEO's) feel some pain, so you seem to fair a tad better - at least on the auto side - when you have a claim.
Racer
Joined: Jan 2005
Posts: 265
Likes: 0
From: Clemmons NC
Originally Posted by LT4CompYell
Mr. P is right, it depends on an awful lot of factors, all of which he covered. I"ve had tremendous service from State Farm in four states. I know ONE company that I wouldn't go with and it's something "g" to start with. In one of those expensive states, I have heard that the three best are AAA's, Farmers and State Farm. It's your money so I understand if you want the least cost per year. I wanted full replacement value and no drop if something happens. That's what I got with State Farm. (and no, I don't work for them and never have)
Le Mans Master
Joined: Sep 2003
Posts: 5,874
Likes: 0
From: Littleton CO
Originally Posted by RAGOVET
I am with USAA . usaa.com
Not sure everyone can join this thou, got it when I was in the service. but they are great. Have my house and auto(s) with them for years.
Not sure everyone can join this thou, got it when I was in the service. but they are great. Have my house and auto(s) with them for years.