Classic/Collector Car Insurance
 

Anyone have any recommendations for Collector Car Insurance for an HHR SS? I've driven the car less than 400 miles this year [2018] and want to make a change in the amount of insurance I've been paying annually in the Houston area.

Any and all suggestions appreciated by anyone who presently has such insurance on their vehicle.

John Ryan aka ''Wheatgerm''

From my understanding; it needs to be 20 years old and you can only drive it to shows, etc.

Have you asked the appropriate authorities in Texas, your insurance agent the Motor vehicle dept?

Classic/Collector Car Insurance
 

Thanks for the reply Don, yes I have gone through my agent first and then out on my own, came up with some and one in particular that seemed like a great deal. It did however allow ''Collector'' value to cars of different ages including my own 2010 so I applied for a quote, it is general right now but more than likely ball park figures. Adjustments will be made if available especially since we're at $255.00 per year at this point as there is a lot of room for them between what I am paying now and the approximate quote.

I figured HHR.NET members might have a favorite company or input on this company, good or bad...

See the specifics down below the line.

Regards,

John Ryan


P.S. I did search the topic first before posting the message and nothing came up specific to Insurance..

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Classic/Collector Car Insurance
 

Thank You ''Old Blue''... Since I have run this by my own insurance first and they had nothing I could use I went out and searched for myself and when somehow they received a ''Bid'' for my business via that portal I heard back from them today. Still nothing definite decided on this end but when they saw a Home Owner's policy and a Motor Cycle as well as 3 cars in the mix it caught their attention since I'm bundled with them and have been for years..

Now as someone out there searching I'm getting quotes from all of the insurances known to us all including some I never heard from too. I've got a month to figure this out and if it doesn't go my way I'll just take the SS off the road and let it stay parked and probably do some repairs caused by simply sitting and not being driven.

Again thank you for your input and the link to Hagerty.

Regards,
John Ryan

I have not had any luck with collector car ins. I have 4 collector cars insured by American Modern. I probably drive my 09 SS Panel 100 miles a year. They tell me at the end of the day it's a grocery getter! They just don't understand...

I have it and 4 others insured by USAA, and I play the "in storage game" I take it out of storage all summer ,then back in the fall and winter . I probably pay about $175 a year for it. The only bad thing is that it's not an Agreed Value.. Good luck ... John

The agreed value is the key thing. I have my 94 Impala SS insured with Haggerty and an agreed value. Had to send them a bunch of pictures but that's fine and they agreed to the value I wanted to insure it for.

Classic/Collector Car Insurance
 

Thanks for the reply and information ''2manyvans'', I'm leaning toward American Modern so far and if nothing else comes my way I'll begin finalizing details with them, if we see Eye to Eye I'll probably go that route, if not I will probably take it off the road and fix all that might need attention and come back to fight another day...

Regards,
John Ryan

Thanks for the reply Dennis, I used the price they wanted when I purchased it to start with, I paid less but figured since it was a 2010 and less than a thousand were made by this time most of those are wrecked,or in poor shape, at least half probably but anyway if they need photos I'm OK with that too and I'd agree to a lot less if need be too..

Regards,

John Ryan

There are places that specialize in collectible car appraisals. Many years ago I restored a '68 Chevelle for my uncle. It was a 3 year project. When it was done the only way the insurance would give him a collectible car policy was if he had it appraised. That's the number they can agree on.

Classic/Collector Car Insurance
 

Thanks Doc Brown, if they ask for an appraisal I'll get one and come to an agreement point and go from there with them, right now my value is certainly up for modification by them and myself, just began with a figure that was asked for when I first became interested in it in 2015 when it was still under warranty.. Going price now is about half of that figure.

I really only want a break in the annual insurance price, full coverage for the year versus the amount of actual use the car has just doesn't add up and I mainly keep it in case of theft which would conveniently pay me blue book if I was lucky assumed by past dealings with insurance companies quick to total a car for that or any reason, cheaper to do so.....

Regards,'

John Ryan

JC Taylor does classic and specialty car insurance.

Classic/Collector Car Insurance
 

Thanks LT, that is one I have not tried yet and will right now..

It didn't fly LT, they had stipulations on age of the vehicle first and then on modified as well.. It will just have to get older before they'll consider it, I am however getting an education on this as I go..

Again, Thank You for your suggestion and reply as well.

Regards,
John Ryan

I have Hagerty. I have a 1973 Ford Econoline shorty that I have had insured with them for several years. When we got our Solstice GXP I checked with my agent and he said they would cover it. So when I got my SS I checked again and sure enough they said OK to it as well. When I first called about the Solstice, they said as long as it is a turbo model. OK, whatever.

Great customer service and great rates. The agreed value is also a very reassuring feature. I have my SS insured for 12K. It would be very easy to replace for that.

Classic/Collector Car Insurance
 

Thank you for the reply Guitar Builder, I do have a quote from Hagerty I might go with and from my original agency too as they don't want to lose me and can sell a Hagerty Policy apparently, just got it yesterday and looking through it this weekend for consideration.. I liked it mainly due to it being a bit less than my policy quoted with Progressive and Safeco but allowing me to place a value on the vehicle other than the Blue Book the previous carrier would have handed me in the event of a wreck and or theft etc..

I appreciate you and the others on chevyhhr.net taking the time and effort to reply to my request..

Regards,

John Ryan

Classic/Collector Car Insurance
 

Thanks Oldblue, I stand corrected..

Regards,

John Ryan

Don't forget https://www.grundy.com/collector-cars/ insurance, they have "agreed Value & no mileage minimums, But you must have a different primary vehicle..
They have been around since 1947 or so.

Classic/Collector Car Insurance
 

Thanks Oldblue, I stand corrected agian...

Regards,

John Ryan

Thanks for the reply Sleeper, I went that route already and hit a snag with my grandson's age as a driver even though it wasn't ever going to be alone and he does have a valid driver's license but he's 17..

What a crime aye? ''When I was 17, it was a very good year''... Credit Frank Sinatra's song..
Regards,

John Ryan

Bummer about the grandson snag. Liked the Sinatra 17 year old tribute. 17 was good for me as well... :twothumbs:

Friend Request
 

Sleeper, thanks for the invitation, I checked the box and I guess the rest just takes place from this point on.. Chevy Mgr was on there too for some reason so I checked that one as well, however it all lands by tomorrow is fine with me.. Last club I was in was the National Nomad Club out of Arvada Colorado in the late 1970's and it might take me a while to learn this website a bit better if I'm on it more too so with that said I joined your friend list and sent Chevry Mgr a request all in the same action..

Regards,

John Ryan

P.S. 17 was probably my best year, just that I didn't know it or realize it at that time....

Wheatgerm- I'm honored you accepted. The rest takes care of it self. When I read posts of someone I find interesting. I sometimes send a request.
As to ChevyMgr, he hasn't been around in many years. I miss him, but I guess he moved on. So don't be bummed if he doesn't reply. Who knows maybe he will.
Obviously he saw something special in you to send a request to you.

Blue- If you mean me ? I'm thrilled to be back.. Thank You.

Blue- I wasn't sure, since it wasn't directed to either of us. So I took a shot... LOL

Friend Request
 

'

Thank you for the kind reply Sleeper. I've been losing family and friends for a while now, just at that age I guess, hope Chevy Mgr is OK and just retired like many of us are these days and not sick in any way.
I remember he helped me out with a few Chevrolet problems years ago, never even ventured into the areas of this website that the friend request brought me to and there was his logo, how I don't know but happy all worked out as it has, even another seems to be happy you have returned as well as I see Oldblue, yet another who is always there to help too..

So all's well that ends well..

Regards,

John Ryan

John- I can relate to losing family & friends. What can one do ?

I guess we just do the best we can..

Classic/Collector Car Insurance
 

We can't do anything but wait our turn as all have done before us..

Thanks for the reply..

John Ryan

That's about it, but still have fun in the meantime....:twothumbs:

Classic/Collector Car Insurance
 

Roger That!

Regards,

John Ryan

Classic/Collector Car Insurance
 

Many thanks to all for their suggestions on this ''Collector Car Insurance'' thread I started, hope some benefited by it as well as I did.. After numerous requests from Hagerty of photos of everything since they stated it was the first car of this type they had been aware of, and upping the price of the insurance a step at a time I just ended up going with my previous insurance company who has handled the car since the last 3 years of ownership and mainly because the premiums were now about equal and less BS as well as a bonus for no claims in the past 3 years..

It seemed like a good idea at the time however and all input was weighed and put to the test so while I watched the clock/calendar for my present insurance deadline for renewal [21st of February] I simply got tired of playing information and photo tennis with Hagerty, read many of the reviews [After the Fact] on YELP and Google Reviews and figured this much trouble just coming to a new policy probably would make a claim even more difficult should I have ever had to make one....

I don't think I have the power to close this thread but if anyone wants to I'd be OK with it at this point...