This is topic Who insures your hot rod? Help! in forum General Talk at Northern California Ford Owners  .


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Posted by 9cobra7 (Member # 2812) on :
 
My company won't touch anything that's been lowered even which is through Costco, IDS Insurance. So now I gotta change companies and want to know who you guys use and if you like them

Is it worth even mentioning how many mods this car has? Should I just say it's stock to get the cheap insurance, what are some of the tricks of the trade here? My car: 95 Gt, Full Griggs, built 383 with Vortech S trim, 560 rwhp, fuel cell, etc. Any advise would help? Thanks you guys
 
Posted by 91GR40LX (Member # 1329) on :
 
One thing to consider...if you don't state any mods to your insurance company and get the cheap insurance, your mods won't be covered if something happens down the road.
 
Posted by Blind (Member # 3052) on :
 
if it's not your daily driver you can get collector car insurance though hagarty or grundy, and it's super cheap but stated value.

just need to show proof of it not being your only car, you won't drive it to work, etc.


progressive also covers up to $2500 worth of mods if it is your daily driver.
 
Posted by 9cobra7 (Member # 2812) on :
 
Forgot to mention, just a weekend car maybe 4k miles a year and thanks for the info.
 
Posted by venomous99 (Member # 1917) on :
 
grundy insurance. 20k car..max insurance limits = $318 a year.
 
Posted by iceman302 (Member # 7180) on :
 
Hagerty. You might be a little more limited on the mileage. They may insure for more than 3K miles though...
 
Posted by venomous99 (Member # 1917) on :
 
quote:
Originally posted by iceman302:
Hagerty. You might be a little more limited on the mileage. They may insure for more than 3K miles though...
i looked into hagerty but skipped as they had way too many limitations like showing proof of a newer daily driver and they also charged a deductible and had mileage limitations from what i recall. on paper the deal grundy was offering was superior to hagerty's but in terms of hassles when filing a claim thats something i dont know about nor do i ever wish to ever find out.
[Wink]
 
Posted by iceman302 (Member # 7180) on :
 
quote:
Originally posted by venomous99:
quote:
Originally posted by iceman302:
Hagerty. You might be a little more limited on the mileage. They may insure for more than 3K miles though...
i looked into hagerty but skipped as they had way too many limitations like showing proof of a newer daily driver and they also charged a deductible and had mileage limitations from what i recall. on paper the deal grundy was offering was superior to hagerty's but in terms of hassles when filing a claim thats something i dont know about nor do i ever wish to ever find out.
[Wink]
I always shop so I'll have to compare. One thing that was a huge plus with Hagerty... they will actually insure a car that's under construction, including all of your parts.
 
Posted by blkfoxbody89 (Member # 8361) on :
 
Through Dashers I've got Bristol West and I pay 81/mo with 3 sports cars and 1 suv. With 2 points on my record..
 
Posted by 9cobra7 (Member # 2812) on :
 
Thanks guys, sounds like I got a couple of great options here and start calling on Monday, I've been paying way to much apparently.
 
Posted by SF Coupe (Member # 1810) on :
 
I use Heacock collector car insurance for my race car. $260 a year for stated value and all I had to do was show the car parked in my garage.
 




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