Insurance Emergency!

[Nick]

So I recently applied for insurance through Hagerty and was denied because I occasionally drive my spider to work. I told them that I wouldn't drive it to work if they insured me but they wouldn't have any of it. I have to wait a full year before applying with them again. I am currently insured (at a very reasonable rate for a 19 year old) with Progressive. They won't insure my Fiat though because it's too old even though I only want liability. Does anyone have any suggestions of what I can do to get insurance for it at a reasonable rate? Geico wants double what Progressive is charging me just for one car. Was wondering if anyone knew of a collector car company that a 19 year old could use? I'm seeing my wonderful Fiat-filled summer slip away before my eyes...

[Tango]

Where are you located?

[TulsaSpider]

Very pretty car! I was with progressive for a while... no problems.. I am in Oklahoma. Age may be the problem?

[Nick]

I live in New York. The lady I spoke to at Progressive had an error message appear (as did I online, I think they just fill out the same form I was filling out online) but the error message said something about the vehicle having special requirements that prevented it from being insured. So I don't think it was my age. The lady wasn't too helpful about error, she didn't know anything about it.

[So Cal Mark]

Haggerty isn't the only classic car insurer out there, there are at least half-dozen companies offering policies now

[manoa matt]

State farm is pretty good. They insured me at 16 with my first spider, granted one years worth of insurance was about what I paid for the car.

[Nick]

There are other dealers, but hardly any of them seem to offer to drivers under 21. State Farm was pretty expensive for both cars, but I might have to try again now. If it's not collector insurance I'll have to switch both cars over, but it could be worth it.

[TulsaSpider]

then it must be a computer error or something about New York coverage

[Tango]

I have State Farm in Ontario, very good rate for classic car coverage, but then I am about 35 years older than you. They know I drive it to work once a week or two, but for me that is less than 10km through a small city and no highways. On the other hand, their regular coverage for my daily driver was quoted at double what I pay elsewhere.

[Nick]

then it must be a computer error or something about New York coverage

Well I emailed customer service and they said it is against their policy to insure any car older than 1980. So they must only insure cars 30 years old and newer. I only want liability, so this really makes no sense to me.

State farm is the same issue with me, they want way more than Progressive does for my daily driver. I really can't find anyone to insure me...

[kilrwail]

Maybe you should contact a broker and let them do all the work. You're not the first young person with an old car in New York state.

[So Cal Mark]

here is a link to a comparison of collector car insurance companies;


http://www.classiccarinsurances.com/rev ... insurance/

[DoctorPDR]

I would recommend State Farm as well. No complaints here and they insured my car based on $30,000.00 replacement cost.

I think I pay a couple of hundred a year.

[spidernut]

I'm not sure the Hagerty agent got it right. I obtained insurance through them very recently and they have no problem with me occasionally driving it to work when I talked with them. I have the same year car.

[Dawgme85]

For my 1977 Spider, Hagerty quoted $102/year online. No questions about when/where/how many miles/etc (at this point). I still have to contact my State Farm agent, however, for a competitive quote.

I wouldn't be surprised if age is a demographic that factors (heavily?) into Hagerty's rates/decisions to insure.

Good luck,