A Message from American Hobbyist Insurance Agency | American Hobbyist Insurance
I heard they are very good.
I heard they are very good.
Who has agreed value or collector insurance on a Fox body?
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ryan218
In just 10 years, I'll be old enough to drive!!!!
my old man changed the company and now on my dads 86 gt. its insured for $10,000 for $264 a year. and thats for 3,000 miles a year and its lucky to see 1,000 miles in a season.
fiveohwblow
Official Member
- Jul 21, 2005
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DocG
5th graders > me. They're not bant
I use Haggerty. $15k value for about 400 a year. There are some mileage and usage restrictions....like its not allowed to be used as a daily driver, stored inside, etc.
ryan218
In just 10 years, I'll be old enough to drive!!!!
And that company is......
hagerty (sp) what doc has. but like he said. has to be stored in a garage. not a DD have another car/truck to drive. it also incudled free tow for 50 miles on a flat bed. road side asstiance. ( if you run out of gas battery, flat tire ect.) and 3,000 miles is his limit. mine was going to go on there for 10k for 5,000 miles a year but they said if i was 18 would not be a problem. since im 17 and a minior they cant do it. but said when im 18 to come back lol.
Is it possible for odometer to be off? my speedometer is 10 mph or so fast so it reads 85 when i go 75 ,,, does that mean my odometer goes up faster then normal? im asking this cuz of all the mileage restrictions on these car insurances...
i may jus go with progressive, anyone have any idea what blue book value of a 84 svo is? lol
i may jus go with progressive, anyone have any idea what blue book value of a 84 svo is? lol
HotFox
15 Year Member
Northeast Classic Car Insurance
I got a quote for them for a year and thought it was pretty good. I am insuring for agreed value 15K. They do recognize that this is a street/strip car and will go to track and of course insurance is dropped at the track. They gave me a quote for $350 for the year under 3K miles annually, 500 deductible. Note that state of MI charges a flat $100 which goes to the state, so it would actually be $250 if it was not for that.
I also checked with progressive, all state, and AmericanCollectors.com (which told me I had to sign something that I agree not to take it to the track)
I posted this on another thread last thurs with no response
Scott
I got a quote for them for a year and thought it was pretty good. I am insuring for agreed value 15K. They do recognize that this is a street/strip car and will go to track and of course insurance is dropped at the track. They gave me a quote for $350 for the year under 3K miles annually, 500 deductible. Note that state of MI charges a flat $100 which goes to the state, so it would actually be $250 if it was not for that.
I also checked with progressive, all state, and AmericanCollectors.com (which told me I had to sign something that I agree not to take it to the track)
I posted this on another thread last thurs with no response
Scott
HotFox
15 Year Member
Except if you have a street strip car. They "American Collectors" which is the same as American Hobbyist as of January 09. They told me they will not insure my car because I take it to a track, I had to sign a waiver. They were $50 more then northeastern , but yes it is unlimited miles.
Does anyone have a policy with them that takes there car to the track?
Scott
i use statefarm as well, I have all 5 of my cars with one guy and agreed value on the Black notch ( I proved value with part recipts of 24k and 6k for the car so 30k total) for the 92 vert its set at 6k and the t top just has fire and water damage at 7500 what I have into the car.
There really is no point IMO for some of you to have the extra coverage most ins companies will pan out 4500-6k for a fox and thats about all there worth unless they are mint
There really is no point IMO for some of you to have the extra coverage most ins companies will pan out 4500-6k for a fox and thats about all there worth unless they are mint
DocG
5th graders > me. They're not bant
I'm not even sure a "normal" insurance policy would cover a wreck while racing the car.
I've got a question though that I keep meaning to ask my friend who is the agent who covers our insurance. If I total my Fox, do I automatically get the $15k to cover it? Having only paid $6k for it, that would make for one heck of a replacement vehicle! Not saying that I'd want that to happen of course, just curious.
My buddy has Haggerty on his older El Camino. He once dropped a board onto the car in the garage which dented it. Haggerty covered a complete repainting of the entire car without any haggling needed.
it doesn't make since though if you buy specialized car insurance and they wont cover the track. I can understand reqular car insurance because its for regular driving. If your car is listed as a modified street/strip car then why not? Cars barely see track time usually. Also, they are more likely to be wrecked driving on regular streets with someone not paying attention on their cell phone etc. I think the car at a track is more likely to break then wreck. Ive only seen prostreet cars wreck and hit the wall because of the enormous horsepower. Ive seen street strip cars just break and have close calls.
MattSVTContour
Member
That's not exactly true. They want you to drive your car, but for hobby use ONLY. I tried to sign up with them, but I was truthful and said I might drive it to work once a week at most in perfect weather. They turned me down for that. You have to be careful with collector insurance because if you have a wreck running errands, going to work, etc., they could deny your claim. Or lets say you stop for milk on the way home from a car show and the car gets stolen. Are they going to say why were you at a grocery store with the car?
I have Metlife for my LX and I drive it alot, soon to be daily. They told me as long as I can prove that it would take $XXX to replace it, they go by that and not straight book value. It's a little scary.
Shakerhood
Dirt-Old 20+Year Member
I had just seen an interview with Jim Grundy or Grundy Insurance and he said they changed their Policies because they want you to enjoy the car. He said it was fine to drive it to work on a nice day and what not, the restriction was that you had to keep it in a locked garage and have a daily driver.
MattSVTContour
Member
I should have checked into Grundy then. Although I want to say there was a reason that they wouldn't cover my '92. Either it wasn't worth enough or was too young.
Anyway, American Hobbyist won't cover you if you ever drive it to work, I know that for a fact.
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