anyone have any experiance with Heacock Classic insurance,got a good quote, mines not a dd so mileage would not be a problem, under 500 annually for same coverage as allstate, just shopping thanks

 

anyone?

 

I actually carried Heacock for my '97 Cobra that I had before my Vette. The cool thing about Heacock is that I gave them an itemized list of everything done to my car and gave them a stated amount $25,000 (which is less than what I had done to it, but a lot more than the blue book on a '97 Cobra), and my Insurance with a $500 deducatable and premium was $455 a year.

I since sold my Cobra several weeks ago and transferred my insurance to my '02 Vette, kept the $25,000 amount and $500 deductable and increased my mileage to 5000 miles. My premium is now $600 a year.

I like the company.

 

Cheap insurance companies are nice until you have to make a claim.

 

Parish Heacock isn't a cheap company. They're a specialty company, like Hagerty and others. I've had my GT500 insured with Hagerty for years. $125,000 value, no deductible, $450 per year. High limits. Great service. Agreed value - they check with me every year at renewals and we go over the HMN and auction results, and reset the value. Probably down this year - the market is a little soft. But they also ask me about improvements and major maintenance, and suggest the effects of those actions on the value of the car. Same for my 1984 WS6 Trans Am - much lower dollar value, so about $125 per year. I think we have it valued at $7500.

Downsides are limits on mileage and use. Since the Shelby is a low-mileage survivor, it isn't driven much. I think I have 1000 miles per year for it. And they frown on using it as a regular driver.

Heacock is soliciting my business, and they've been good to talk to. If you can live with the limitations, it's a great deal. But if you're ever going to drive the car to work, or to the local pizza parlor for a kid's birthday party, or some such, check their limitations.

Cool thing with Hagerty is that they allow my 20 year old son to drive the car on an incidental basis. Sometimes he takes it to the car show, and I take the Corvette. He gets to be the cool kid, and has earned the privilege through helping with several of the maintenance projects on the car (fixing wiring faults, rebuilding the front suspension, rebuilding the rear end).

For a more actively driven car, we use Farmers' Mid Century Auto insurance. They decline drivers with questionable records (refer them to the mainstream Farmers company), and are really reasonable. About $480 per year, $1000 deductible, full coverage, $250k PD, $500k/$1m BI. Uninsured/underinsured coverage to cover the deductible if I'm hit by one of California's several million uninsured drivers. But I'm over 50, and have my homeowner's insurance with Farmers. Lots of companies will give you substantial discounts for "affinities;" occupation, multiple policies, etc. I get a big break for having Scientist in my degree and title - "Computer Scientist." I think they do the same for engineers, educators, and others.

Shop around, but Parish Heacock and their peers are NOT cheap insurers. Just specialty insurers...