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Hagerty insurance question.

Discussion in 'The Hokey Ass Message Board' started by hillbilly4008, May 10, 2012.

  1. hillbilly4008
    Joined: Feb 13, 2009
    Posts: 2,905

    from Rome NY

    I know most of you on here have Hagerty. I called today to try and get my '53 insured. I told the lady that I would like to insure my modified car for the agreed value of $10,000, and it will be kept indoors at my shop. Everything going good so far, then she tells me that I can only drive the car to shows, parades, and club meetings. I thought Hagerty had no driving/mileage restrictions??? Fair enough, I'm not intending to use it as a daily anyways. Then when I told her that the car was lowered 2-3inches she put me on hold so she could talk to her manager. Moments later she comes back and says "seeing that your car is lowered, we have to insure it as a "lowrider". To classify for "lowrider" insurance you need to insure it for a minimum of $15,000, and it absolutely must be kept indoors at YOUR residence. Then she promptly said "were sorry we can't help you. Goodbye." and pretty much hung up on me.

    Has anyone else on here with a lowered custom, NOT ON BAGS, had to insure as a "lowrider" ? Honestly, I don't see my car as being worth $15k

    Was this a fluke?
  2. Don's Hot Rods
    Joined: Oct 7, 2005
    Posts: 8,319

    Don's Hot Rods
    from florida

    Call Grundy. They gave me no hassles whatsoever and are cheaper than Haggerty.

  3. I haven't had any issues with Hagerty like that, and I have lowered cars and answered as much to them on their questionnaire when applying for the insurance or changing vehicles.
  4. harley rider
    Joined: Aug 11, 2010
    Posts: 527

    harley rider

    Register now to get rid of these ads!

  5. CanUFelix
    Joined: Jan 29, 2009
    Posts: 495

    from venice CA

    sounds like you got someone having a bad day or new to the office.....i had nothing but a good experience with hagerty......
  6. Django
    Joined: Nov 15, 2002
    Posts: 10,197

    from Chicago

    I would say that was a fluke. Maybe she's new there. Call back and talk to someone else. Lowered does not = Lowrider. I have 3 cars with Hagerty, all are lowered but none are "lowriders".
  7. The insurance is only as good as the agent.

    And most of us don't use hagerty at all, a lot of us have figured out that you can insure an altered vehicle with a standard insurance company by insuring with an agreed value and drive it just like a real car.
  8. speedfreek155
    Joined: Sep 10, 2011
    Posts: 312


    Hagerty was no problem for me.
  9. Dane
    Joined: May 6, 2010
    Posts: 1,353

    from Soquel, CA

    Sounds like she knows nothing about cars. Too bad for Hagerty. My car is lowered and it's not considered a "lowrider" by Hagerty. They have pictures. I guess you can't argue with "stupid". Call Grundy, maybe they have agents that are more intelligent about cars.
  10. jasonp
    Joined: Sep 18, 2007
    Posts: 706

    from Aurora,IL

    Grundy=cheaper, better coverage, no hassles, very easy to work with
  11. propwash
    Joined: Jul 25, 2005
    Posts: 3,858

    from Las Vegas

    I've had Hagerty for years. All my 'stuff' is "agreed value" and there are no mileage/driving restrictions, height questions, labels, or any other nonsense. I agree with porknbeaner - your service with any company is only as good as your agent. Sounds like Hagerty needs to get in touch with a few of their independents and remind them where the money comes from. That "lady" might need an attitude adjustment. Maybe she used to work for the post office?
  12. Kirk Hanning
    Joined: Feb 27, 2005
    Posts: 1,604

    Kirk Hanning

    I know someone who was denied insurance with Haggerty on a roadster with a Lincoln v12 flathead engine that had 5 carbs on it, 3 of which were dummies. The reasoning was that it made too much power!? WTF
  13. Toast
    Joined: Jan 6, 2007
    Posts: 3,885

    from Jenks, OK

    This is fact, thats why I changed about 6 years ago.
  14. hillbilly4008
    Joined: Feb 13, 2009
    Posts: 2,905

    from Rome NY

    All this was through Hagerty directly, not a broker.

    After the conversation I just went back and completed the app online, everything went through and NOT lowrider status. Now I guess I have to wait 1-2 business days to get "reviewed" and accepted.

    My car is all apart for paint right now, so I didn't have a "good" picture. So I called a second time, this time different lady luckily. She told me to just take a pic of the car as it looks today send it in with a note explaining whats up, then in a week after its all purty send another picture. Hopefully this won't botch things up, and I'll get a policy rolling. Then its off to the DMV to get my year of make plates legit
  15. turbochick
    Joined: Mar 9, 2012
    Posts: 30


    Really? I'm surprised that you can get through to those people....
  16. yblock292
    Joined: Oct 10, 2006
    Posts: 2,938


    Are you dealing with the home office? I have heard many stories about "local" agents, but with dealing with the head shed seems things work out good. Look at my recent thread about them and you can see how good they are to deal with. Good luck!
  17. gasmanm01
    Joined: Nov 24, 2009
    Posts: 575


    i have them and have been very happy so far. there is a 3000 mile a year limit and it cant be a everday driver - primary sorce of trans. they even contacted me 2 weeks ago and asked me to participate in a drivers training class for young drivers that had never been around hot rods with manual trans. it will be held at atlanta motor speedway in the infield. i had to decline as i will not be in town.
    Joined: Sep 16, 2012
    Posts: 55


    If you don't have Grundy, you are paying too much.
  19. no55mad
    Joined: Dec 15, 2006
    Posts: 1,845

    from nipomo, ca

    My Grundy policy recently expired and they never sent a renewal notice. Havn't they gone through some reorganization recently? Maybe they don't need the business anymore - I never had a claim with them.
  20. tfeverfred
    Joined: Nov 11, 2006
    Posts: 15,796


    I didn't get a renewal notice, but as it happened, I was calling to renew anyway. The explanation was that they were still switching everything back to their people. If you policy is coming due, just call and renew.
  21. hellsgaterods
    Joined: Dec 8, 2010
    Posts: 534


    Never had a problem with hagerty, you must have gotten a hold of lawanda when she was about to go on break and file her extremely long nails
  22. 29sportcoupe
    Joined: Jan 14, 2008
    Posts: 350

    from arizona

    Hagerty would not insure my 74 bronco because it was a 4x4 so I took all 5 cars to american collector car ins, No problems and its like 550 for 5 cars, one of which is being restored so its not driven. Since then I have talked to several people who have 4 wheel drives with hagerty. Maybe I should have called back for a new agent.
  23. yblock292
    Joined: Oct 10, 2006
    Posts: 2,938


    I sure would and ONLY deal with the home office
  24. boldventure
    Joined: Mar 7, 2008
    Posts: 1,766


    Why would you deal ONLY with the home office? Have you had problems with local agents?
  25. Fast67VelleN2O
    Joined: Mar 6, 2007
    Posts: 494


    GRUNDY GRUNDY GRUNDY! I have 3 cars insured with them currently all modified.

  26. sololobo
    Joined: Aug 23, 2006
    Posts: 8,080


    Hagerty has always treated me well. But go with Grundy if you need to, they are excellent folks. ~sololobo~
  27. yblock292
    Joined: Oct 10, 2006
    Posts: 2,938


    I personally have not, but some of the local guys have.
  28. Every time I've checked Grundy versus Hagerty on rates, Grundy has been anywhere from 30% to 50% HIGHER than Hagerty. Don't know how you guys are getting these "great rates" from Grundy.
  29. Jpriebe66
    Joined: Jul 12, 2011
    Posts: 141


    Has anyone tried Chrome? The Collector car insurance not the step after nickle plating. Results? Sorry, didn't mean to HJ your thread.
  30. buford36
    Joined: Feb 7, 2007
    Posts: 211

    from Maine

    Me too. Not that much higher, but still higher than Hagerty. Tom...

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