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I am 35 years old and have a few tickets on my license. Some will drop off soon and as a professional driver in the past I picked up some job related tickets as well. I'm not sure if they affect my rate or not but I thought that $95/6months for basically full coverage, comp collision with 250k/500k payouts was a good deal. I assure you it would be unaffordable for me if it wasn't classic car ins. My targa top is cracked and i'm going to turn it in on the ins and get a new one.
Last edited by warrior4jesus; Jul 19, 2017 at 12:38 PM.
I have full coverage on mine. But I am thinking about going with a company like Drifter36 mentioned. I want to be able to set the value of the car for myself, not let some insurance company set it for me.
An Insurance company does in fact set the value of your vehicle. What you might be interested in obtaining an Agreed Upon value. Therein, you submit photos, appraisals or other documentation for what you believe your vehicle is worth. The Insurance company can either agree or set their own value, and then you can take it or leave it.
Originally Posted by CREWZIN
Full coverage through American Collectors Insurance. Great rates, great service and rates didn't go up after an off-road excursion in the rain. Best is the agreed value which goes up every year.
While the Agreed Value in this case has an inflation protection built in, I would view it with a jaundiced eye. It was my experience that the inflation protector for my vehicles included a 10% bump each year, I also noted my premium went up 5% each year. Worth looking in to.
Originally Posted by car addict
I've been going around with my car insurance company over slow claim processing, slow pay, regarding an accident my wife was in (not injured).
My hostility toward my insurance company has me re-thinking the whole legalized crime of the insurance business. I'm presently carrying "full coverage" insurance on my 96 C4 coupe. I chose full coverage insurance primarily because of the issues of theft, vandalism, weather damage. Sort of old reflexive thinking. My insurance co have been such Richard Craniums, I'm thinking more about what do I get for my money. If totalled, I'd be lucky to get $10k. Leaning toward dropping everything but liability. I would be interested to hear from some of you as to what kinds of coverage you have and your rationale.
OP's initial comments include: I am not asking what you pay, nor where I might get a better price. I kind of don't care. You are adding too much fluff.