Insurance??
Posting Guru
Joined: Dec 2008
Posts: 2,352
Likes: 1
From: Waleska, GA
That's exactly my situation and what I found to be true(State Farm for the "regular" vehicles and Hagerty for the F100).
Laughing Gas
Joined: Oct 2006
Posts: 879
Likes: 40
From: Colorado Springs /Mesa AZ
We have State Farm and I have only had one claim in 10 years. While driving my 46 to a glass installer I was rear ended at a traffic light and the 46 was just painted. They said take to to whom ever you want and send us the quote. We are "Snow Birds" so when we travel to AZ we change the insurance coverage and drop the Liability on the vehicle that is stored in the garage in CO and change the coverage on the vehicle in AZ to full coverage. We have been doing this for about 10 years and it works fine and saves money and still keeps the stated values in place. They are real easy to work with and I checked out other Classic Insurance and State Farm Insurance beats their prices.
______________________________________
48 Ford F1- Darkside
46 Ford Tudor - Street Rod
"Happiness- 3 pedals and a 5 speed"
______________________________________
48 Ford F1- Darkside
46 Ford Tudor - Street Rod
"Happiness- 3 pedals and a 5 speed"
Thread Starter
|
Laughing Gas
Joined: Jan 2009
Posts: 914
Likes: 71
From: Lavergne, Tn.
I'm a little surprised at the positive remarks about State Farm. I had their insurance on all my cars and homes for over 40 years, only 2 small claims during that whole time. I became a little suspicious about how much I was paying in premiums compared to some of my friends with similar coverage with other companies. I found that I could get more coverage for considerably less money with"every" insurance company that I got quotes from.
It appeared that loyal customers just got the big screw the longer they were with them. Needless to say, I left State Farm.
It appeared that loyal customers just got the big screw the longer they were with them. Needless to say, I left State Farm.
Fleet Owner
Joined: Jul 2004
Posts: 27,288
Likes: 1,053
From: NM
Drew, I had Allstate and found out the same thing when I went shopping for the first time in many many years. My own agent told me she could beat what I was paying, same exact coverage. How could that be??? She claims that policy "packages" or "plans" have to be approved for each state based on current loss experience etc., and you stay in that Plan until YOU request that you be switched out of it. The agent supposedly can't steer you to the newer plan, it has to be customer-requested. In my case, since I'd been on the same plan for quite a while, simply telling them I was leaving for another company allowed her to quote me a Newer Plan, same coverage, for nearly 1/3 of what I would have paid if I'd just kept on the same old plan!! Can you believe I was pissed?!?!?! Whether that's BS or not, I found nearly everyone I got quotes from was close to the same as what the new quote was. But I switched anyway, to let them know how pissed I was.
Thread Starter
|
Laughing Gas
Joined: Jan 2009
Posts: 914
Likes: 71
From: Lavergne, Tn.
Drew, I had Allstate and found out the same thing when I went shopping for the first ime in many many years. My own agent told me she could beat what I was paying, same exact coverage. How could that be??? She claims that policy "packages" or "plans" have to be approved for each state based on current loss experience etc., and you stay in that Plan until YOU request that you be switched out of it. The agent supposedly can't steer you to the newer plan, it has to be customer-requested. In my case, since I'd been on the same plan for quite a while, simply telling them I was leaving for another company allowed her to quote me a Newer Plan, same coverage, for nearly 1/3 of what I would have paid if I'd just kept on the same old plan!! Can you believe I was pissed?!?!?! Whether that's BS or not, I found nearly everyone I got quotes from was close to the same as what the new quote was. But I switched anyway, to let them know how pissed I was.
Posting Guru
Joined: Dec 2008
Posts: 2,352
Likes: 1
From: Waleska, GA
You may be totally correct. I have only one lady who I'll deal with at my State Farm Agency. They put me with a guy who has done nothing but try to jack up my rates. After a heart to heart with the owner, I'm back with this wonderful lady who always asks, "what did you buy now?" The guy tried to sell me the "hobbiest policy" that clearly states it's for parades, club meetings andcar shows only. I told him I also wanted to drive the truck to the store, work, or maybe to get repaired. He then quoted me something like $800 per year. I told him that works out to over $100 per trip. Haggerty is much cheaper and I can go wherever I want whenever I want.
Junior User
Joined: May 2013
Posts: 69
Likes: 2
From: Chandler, AZ
Pretty much agree with the comments about Hagerty. They wanted to know that I had another vehicle, which didn't have to be insured with them. They wanted a picture of the truck and of the bed, asked how many miles a year I would drive, what value I placed on it, and said it had to be garaged at night. The truck could not be used for commercial purposes, or regular daily commuting. Trips to the doctor, shopping, restaurants, car shows, pleasure, and the like were fine. I told them I might put 2,500 miles a year on it and it was no problem. All this was done on the computer on a Sunday in just a few minutes. I was pleasantly surprised when they emailed me back the next day with a rate 20% of what my regular insurer had quoted. I quickly made use of their road service when I ran out of gas (trusted the gauge) and had a dead battery. I guess they know how much we love our trucks and that we take good care of them.
FTE Stories
Ford Trucks for Ford Truck Enthusiasts
AEV FXL Super Duty - the Super Duty Raptor Ford Doesn't Make
Brett Foote
Lobo Vs Lobo: Proof the F-150 Lobo Should Be Even Lower!
Michael S. Palmer
Ford's 2001 Explorer Sportsman Concept Looks For a New Home
Verdad Gallardo
10 Best Ford Truck Engines We Miss the Most!
Joe Kucinski
2026 Shelby F-150 Off-Road: Better Than a Raptor R?
Brett Foote
2027 Super Duty Carhartt Package First Look: 12 Things You NEED to Know!
Michael S. Palmer
10 Most Surprising 2026 Ford Truck Features!
Joe Kucinski
Top 10 Ford Trucks Coming to Mecum Indy 2026
Brett Foote
5 Best / 5 Worst Ford Truck Wheels of All Time
Joe Kucinski
Post Fiend
Joined: Apr 2002
Posts: 19,311
Likes: 97
From: Waterloo, Iowa
It's tough for many people to make comparisons about different rates, different coverage and different companies, be careful. I try to read this stuff but my eyes glaze over. Acts of God, earthquakes, insurrection, sewer backups. Hm.
The collector car market is pretty small, but for standard insurance Shop around and if somebody offers you a policy that's a lot cheaper, sometimes agents will try to snipe customers, but the coverage is not the same, if you have to make a claim or are found liable is not the time to discover fine print; get a hold of your current agent and ask them to explain what the deal is.
Seems to me they will either outline what the difference is, and why you might want to pay more, or match the other guys rate, adjust the policy coverage, etc. Or lose your business.
The collector car market is pretty small, but for standard insurance Shop around and if somebody offers you a policy that's a lot cheaper, sometimes agents will try to snipe customers, but the coverage is not the same, if you have to make a claim or are found liable is not the time to discover fine print; get a hold of your current agent and ask them to explain what the deal is.
Seems to me they will either outline what the difference is, and why you might want to pay more, or match the other guys rate, adjust the policy coverage, etc. Or lose your business.
Thread
Thread Starter
Forum
Replies
Last Post
Traveller76
1967 - 1972 F-100 & Larger F-Series Trucks
7
Jun 12, 2014 07:17 PM