[Crank_Run]

Hey y'all. I'm looking for a new insurance carrier, and I'm hoping the hive can deliver. Over the last year they (USAA) have increased their premiums into stratosphere territory. I tolerated it for a while, mainly because they've had great customer service, a storage discount, and they offer a +20% valuation uptick on your payout as an option if it ever got totaled. It just went up AGAIN, and I'm done with them. No accidents, claims, and a squeaky clean driving record.

I know there are cheaper options out there (many here have suggested Geico in the past), but I'm not looking for the cheapest option. I'm looking for something offered similar to what USAA does, with the 20% value bump, or agreed upon value, etc. It's not my main daily, mostly just a weekend toy. I am located in the US.

I am paying around $170/mo. right now, for reference.

 

[alexdavis]

You might ask Hartford for a quote.

I pay $600/year on a 2012. However I'm an old guy with a perfect driving record and it is a bundle with property.
High full coverage but doesn't breakout mods... ILLINOIS outside of Chicago.

Alexd

 

[droptopp]

Insurance companies across the board have raised rates for all sectors, not just auto.

Every time I get a chance I tell anyone that will listen to get an agreed value policy. You will find out the hard way in the event of a loss / total loss that the insurance company is not your friend no matter how great of a relationship you have with your agent. The agent is powerless in pay outs and you can’t even sue if you don’t like the value assigned - you’ve agreed to arbitration in the T’s and C’s.

I use American Modern for the GTR and NSX and completely reasonable for agreed value policies.

If you are in NY I can assist with an agent that has hotter many high hp builds covered.

 

[Gojira2014]

You might ask Hartford for a quote.

I pay $600/year on a 2012. However I'm an old guy with a perfect driving record and it is a bundle with property.
High full coverage but doesn't breakout mods... ILLINOIS outside of Chicago.

Alexd

Wow! That's insanely cheap. I pay $135/month. Late 30s with perfect record too. High full coverage, bundled with the spouse, house, and two daily commuters. I just check Hartford. Sorry, but it's for AARP members only?

 

[Prune]

30’s, perfect record. $100 comprehensive, high full coverage. 105/mo with StateFarm. Have 4 cars and the house through them though.

 

[White_turbo]

Try Hagerty if you are looking for an agreed value policy.

 

[droptopp]

Just FYI - Hagerty has denied almost all of the built cars I know in NY, takes off OEM. Classics no issue though.

 

[GTRdean]

Florida boys have it rough after reading this. 2k plus or minus a year since I've had a GTR since 2012. Fun fact about FL, home insurance pretty much doubled last year. Mostly related to roofing replacement scams, latest hurricane didn't help either.

 

[droptopp]

Yep FL is terrible for car insurance, house insurance and health care - with the latter being the highest in the country. Thought my NY family policy of $2,380 a year was bad until I got a quote for down there.

 

[GTRdean]

Yep FL is terrible for car insurance, house insurance and health care - with the latter being the highest in the country. Thought my NY family policy of $2,380 a year was bad until I got a quote for down there.

And property taxes....

 

[Guido]

Hagerty also has an issue with high horsepower modified cars. Anything over about 800 to 900 HP and they won't insure. They will insure stock cars with that power, but not modified above that. Too much risk I was told.

 

[MC]

Try Erie I pay like $920 a year on my NISMO

just got a quote on a 2023 Z im getting next week and both cars together like like $1580 with multi car discount

 

[alexdavis]

Yep FL is terrible for car insurance, house insurance and health care - with the latter being the highest in the country. Thought my NY family policy of $2,380 a year was bad until I got a quote for down there.

I was the President of a Condo association of 48 units in Winter Haven, Florida for a couple of years. Keeping the costs down was almost impossible, and I had friends in the insurance industry to get advice from. Just saying...