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

[Vsnively at aol.com]

Vance, 
 
Honestly don't know. Sounds logical. As in Bud's case, it may be a state  
issue. I'm in Ohio, perhaps our claim rate was higher last year than the  
national average ??
 
Thanks,
Vic
 
 
In a message dated 9/3/2010 12:20:44 PM Eastern Daylight Time,  
v.navarrette at comcast.net writes:

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