[6pack] Hagerty Car Ins. up 14%??

[Vance Navarrette]

	Vic:

	This raises an interesting question. I purchased Hagerty
directly over the web (no agent).

	It seems you went through an agent to purchase your Hagerty
Policy.

	I have not seen an increase, others have (My declared value is
lower, $15k if I recall).

	Is this the difference? Go through an agent, get a price
increase?

	Vance

-----Original Message-----
From: 6pack-bounces at autox.team.net [mailto:6pack-bounces at autox.team.net]
On Behalf Of Vsnively at aol.com
Sent: Thursday, September 02, 2010 11:12 AM
To: forzion at maine.rr.com; 6pack at autox.team.net
Subject: Re: [6pack] Hagerty Car Ins. up 14%??


Dave / Bud,
 
My experience was that the specialty insurance companies offer premiums

that are a fraction of daily-driver policies. Most are agreed-value
policies  
instead of Actual Cash Value. My household and daily-driver agent's
proposal 
was  about 2.5 times the rate of my Hagerty. The specialty companies can

keep rates  low because they're banking on very low annual mileage and
the 
fact that  collector's cars are typically garaged, pampered, and only
see sunny 
days, for  the most part. A 14% increase on my $200 Hagerty is still a 
bargain, although  I'm not happy about the increase either.
Additionally, my 
Hagerty agent is a  major motorhead and promotes our hobby aggresively.
Not 
sure what my regular  agent promotes.
 
Regards,
Vic Snively
'75 TR6