Jump to content


Welcome to Ultimate Subaru Message Board, my lurker friend!

Welcome to Ultimate Subaru Message Board, an unparalleled Subaru community full of the greatest Subaru gurus and modders on the planet! We offer technical information and discussion about all things Subaru, the best and most popular all wheel drive vehicles ever created.

We offer all this information for free to everyone, even lurkers like you! All we ask in return is that you sign up and give back some of what you get out - without our awesome registered users none of this would be possible! Plus, you get way more great stuff as a member! Lurk to lose, participate to WIN*!
  • Say hello and join the conversation
  • Subscribe to topics and forums to get automatic updates
  • Get your own profile and make new friends
  • Classifieds with all sorts of Subaru goodies
  • Photo hosting in our gallery
  • Meet other cool people with cool cars
Seriously, what are you waiting for? Make your life more fulfilling and join today! You and your Subaru won't regret it, we guarantee** it.

* The joy of participation and being generally awesome constitutes winning
** Not an actual guarantee, but seriously, you probably won't regret it!

Serving the Subaru Community since May 18th, 1998!

Guest Message by DevFuse
 

Photo
- - - - -

Historic Insurance


  • Please log in to reply
9 replies to this topic

#1 nipper

nipper

    Semi Elite Master of the

  • Members
  • 17,567 posts
  • Long Island NY

Posted 26 January 2014 - 12:13 AM

The Justy has turned 25 so it is can now have historic insurance. I just tried Haggerty for giggles and they come in at 270 @ 5000 stated value and 5000 miles a year use. Considering thats what I pay for it now for 6 months for regular no thrills bare bones insurance, i will be doing this when my renewal comes up. 

 

Anyone else have historic insurance on their sooby and who do they use.

 

Thanks.



#2 moosens

moosens

    Psychotic Subathusiast

  • Members
  • 1,274 posts
  • Bridgeport CT

Posted 26 January 2014 - 06:45 AM

Any truth that they insist on it being garaged? My friend has had his little Lotus on classic Insurance for years and pays so little it'll make you cry. But he says (that they say) it HAS to be garaged. Of course , I've never seen insurance people physically check to see that the cars are garaged.

 

I believe he has Hagerty too.



#3 rrgrr

rrgrr

    Eat, Live, Breath Subaru

  • Members
  • 324 posts
  • Bloomington

Posted 26 January 2014 - 08:49 AM

IIRC, Haggerty has restrictions on mileage, where and when you can drive, Grundy is more flexible. Most say you need to be locked in a garage, but they're not coming over to see. Odometers are hard to verify in classics, too. Very cheap great coverage, never had to claim, but they have a great reputation. Agreed value is what you say it is, and is the basis of your rate. The theory is that classic owners are more careful drivers -they may not buy that for subaru owners! 



#4 nipper

nipper

    Semi Elite Master of the

  • Members
  • 17,567 posts
  • Long Island NY

Posted 26 January 2014 - 10:12 AM

Haggarty has a no garage option. Grundy says it must be garaged. Haggarty i put in 5000 miles a year, they seemed liberal on where you could drive (i ticked off everything but commuting to work). Grundy limited you to 2500 miles a year  in the fine print. Keeping in mind this was 2 am so i may have read it wrong. Haggarty had a minimum value of 5000.00 (easy enough to do with a truly mint Justy as I have seen them go for low 4's here). Haggarty was 270 a year, Grundy was 83.00 and required you to be near your car at all times. Right now I pay 293 every 6 months for basic insurance. I will be researching it more, but I am switching as I only do about 3-4000 miles a year in the Justy. 



#5 Luvn737s

Luvn737s

    USMB Regular

  • Members
  • 134 posts
  • Ahwatukee, AZ

Posted 26 January 2014 - 07:57 PM

I use American Collector Car Insurance for my Spitfire and its $80/yr.



#6 Rust

Rust

    Eat, Live, Breath Subaru

  • Members
  • 744 posts
  • The Sticks

Posted 27 January 2014 - 10:38 AM

Haggerty wanted pics of my garage and all other types of B.S.  Went to Rally Insurance.  Very hassle free, no complaints.  I keep my Daily use EA82 cars on regular inurance.  I would not recommend collector car insurance on any vehicle that see's regular use.



#7 nipper

nipper

    Semi Elite Master of the

  • Members
  • 17,567 posts
  • Long Island NY

Posted 27 January 2014 - 10:56 AM

In winter the Justy doesnt move out of the driveway, same for the heat of the summer. The justy saw less then 3000 miles last year, hence why I am looking.

 

My 2005 Outback is my daily driver.


Edited by nipper, 27 January 2014 - 10:56 AM.


#8 Rust

Rust

    Eat, Live, Breath Subaru

  • Members
  • 744 posts
  • The Sticks

Posted 27 January 2014 - 11:31 AM

Can't remember my milage limmit per year, but I think it is under 2000.  It is dirt cheap insurance, but it is designed for guys who only take cars to car shows a few times per year.   I basically use it to maintain insurance so my registrations don't get cancelled.



#9 nipper

nipper

    Semi Elite Master of the

  • Members
  • 17,567 posts
  • Long Island NY

Posted 27 January 2014 - 11:54 AM

Maybe Haggarty has changed since anyone looked into it, but they had pull down menus for driveway, gargage, car port, street etc.



#10 nipper

nipper

    Semi Elite Master of the

  • Members
  • 17,567 posts
  • Long Island NY

Posted 28 January 2014 - 12:23 AM

Interesting. Going through haggerty was 270. Going through E Surance which works with haggerty was 325.

 

i smell a rat.






0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users