Stop in for a cup of coffee
I understand that but when the policy is $810 a year compared to $362......................................big difference.
Yes. But I’m just gonna say this.
I sold insurance for Farmers, JC Taylor, and Bristol West as an owner agent for a few years. Generally speaking, insurance is like most anything else in life, you get what you pay for. Cheaper isn’t always better, especially with classic car insurance. JC Taylor for example, they’d usually be the amongst the cheapest for classic car insurance. And if you’re not driving the car very much and it was mostly a garage queen with zero rust, I’d recommend them. But if it’s a driver , their coverages sucked.
I have no skin in this game. I’ve had JC Taylor, Grundy and Hagerty on my cars over the years, Hagerty, while probably one of the more expensive options, their customer service on the few claims and issues I’ve had, has been OUTSTANDING. Their call center is one of few that is actually in the US and staffed with clear, concise and knowledgeable car people. When I had that fire, they sent an appraiser within an hour, 2 hours for him to do the paperwork and take pictures, 3 hours later, E-check deposited.
JC Taylor dropped me on my 78 despite being an agent at the time for them when they add the “no visible signs of corrosion” policy.
Grundy lifted my driving to May-September and I had to submit a mileage picture at the end of each renewal period to renew. I also had to send in photos and debate a much lower value. Maybe things have changed there as it has been nearly 5 years since I switched to hagerty.
Choice is entirely yours, but from my experience, cheap insurance usually nets cheap results when something happens. Especially when you realize that insurance is entirely paid with dividends of of the stocks the insurance company buys in the stock exchange….no joke.