If you only needed a car a couple weekend a month...

[BC69]

Riddle me this!

Just talked to Hagerty - and I have talked to other companies and hit the same stupid wall.

Previously, insurance and the Camaro were under my dads name in CT because I was under 25, and no one would cover me alone. I had a perfect driving record from age 16 - 23 (and last year got my first ticket). They booted me from the policy for one ticket.

Now - a few places including Hagerty have said they could get around the ticket, and I am 24, so fairly close to 25. What they cannot get around is that I do not have daily driver insurance. They need to be the secondary policy. I asked what they do for people living in NYC, or big cities that dont have daily use cars...they just dont insure them I guess.

Where can you get agreed value insurance, as a the primary policy? Yes, I could insure it with Geico or whatever but it would be book value and if something happened I would get $500 back and pat on the back.

Buy an 85 chevy, stick it a vacant lot - insure it with $0 coverage for primary, and the call Hagerty and tell them I have daily use insurance?!

[Northeast Rod Run]

They do that so people don't just try to insure their main vehicle as a "special" car, just to save on insurance.

You have to look at the big picture here. I know your case is pretty much the exception to the rule, but how do they know that? If they allow it for you, then they have to allow it for every other guy that is lying about their situation just to get the discounted rates and then claims would go up. If that happens, the majority of us that use their companies properly would pay for the abuse of others, and that wouldn't be cool at all.

Sounds like you are inbetween a rock and a hard place on this one, but I hope this clears up their reasons for you a little bit

[conekiller13]

I would buy some $50.00 piece of crap from craig's list and insure that as primary....trust Me the insurance companies can't wait to cheat you so.......


That's my cynical side talking

[BC69]

I have an agent trying a few different things right now. First few agents just said no right off the bat, but this one seemed overly optimistic. Her first attemtp didnt work, and now is trying to group renters insurance and car to get someone to bite. The catch! A typical renters policy is anywhere from 15k - 50k coverage, but this is a minimum of $100k! I need to buy some nice stuff, or honestly, I dont think I would be too upset if something happened to my apartment.

"You have to look at the big picture here. I know your case is pretty much the exception to the rule, but how do they know that? If they allow it for you, then they have to allow it for every other guy that is lying about their situation just to get the discounted rates and then claims would go up. If that happens, the majority of us that use their companies properly would pay for the abuse of others, and that wouldn't be cool at all."

I understand I am not really the norm and there are reasons for this, but I am willing to pay more! My Hagerty policy was $250 a year for $37k coverage. I would have no problem paying double or triple that! Just insure me!

[Neil B]

Originally Posted by BC69

I understand I am not really the norm and there are reasons for this, but I am willing to pay more! My Hagerty policy was $250 a year for $37k coverage. I would have no problem paying double or triple that! Just insure me!

So what will you drive when you want to go to a large supermarket instead of the shops on Polk, or when you want to go out to dinner in the Mission, or a ball game, or hiking in the headlands, or Sausalito? See where I'm going with this? Hagerty assumes you will need to drive your Camaro if you don't have another car and their risk rises exponentially.