Go Back   The Ford Barn > General Discussion > Early V8 (1932-53)

Sponsored Links (Register now to hide all advertisements)

Reply
 
Thread Tools Display Modes
Old 04-03-2012, 10:25 AM   #1
My 34 Ford
Member
 
My 34 Ford's Avatar
 
Join Date: Nov 2011
Location: Omaha Nebraska
Posts: 53
Default Auto Insurance

Please give me some advice on auto insurance. I know that there are only a few insurance companies that insure old cars and that the insurance game changes pretty fast so who are the best companies today? I am ready to start driving my 34 2dr and would welcome your advice. This car will only be driven a few hundred miles at most this year but I want to be sure that I insure with a good company and get the right coverage. Thanks for your advice.
My 34 Ford is offline   Reply With Quote
Old 04-03-2012, 10:30 AM   #2
Vic Piano
Senior Member
 
Vic Piano's Avatar
 
Join Date: May 2010
Location: Odessa, FL
Posts: 7,554
Default Re: Auto Insurance

I've been with JC Taylor Insurance for 40 years, excellent coverage, service and pricing.
__________________
Imagination is more important than knowledge.
Vic Piano is offline   Reply With Quote
Sponsored Links (Register now to hide all advertisements)
Old 04-03-2012, 10:51 AM   #3
4dFord/SC
Senior Member
 
4dFord/SC's Avatar
 
Join Date: May 2010
Location: Columbia, SC
Posts: 1,569
Default Re: Auto Insurance

Hagerty's good, too. Been with them eight years, and fortunately no claims. However, a friend whose '50 Tudor was t-boned speaks very highly of them--they even paid him for his own time in making repairs.
4dFord/SC is offline   Reply With Quote
Old 04-03-2012, 11:17 AM   #4
Krylon32
Senior Member
 
Join Date: May 2010
Posts: 2,708
Default Re: Auto Insurance

I've got 4 cars insured with Grundy. No claims so can't report on that??
Krylon32 is offline   Reply With Quote
Old 04-03-2012, 11:33 AM   #5
alv
Senior Member
 
Join Date: May 2010
Location: jackson,nj
Posts: 511
Default Re: Auto Insurance

have grundy great company had a claim , got an estimate and they sent a check right away, never even came and looked at the car.
alv is offline   Reply With Quote
Old 04-03-2012, 12:23 PM   #6
mike in tucson
Senior Member
 
Join Date: Dec 2010
Location: Tucson, AZ
Posts: 147
Default Re: Auto Insurance

Sponsored Links (Register now to hide all advertisements)
Not necessarily true that few insurance companies will insure your car. State Farm, for instance, insured my 39 Ford at a really cheap rate. HOWEVER, their coverage is not "agreed value" so I would have perhaps lost if the car was stolen while under their coverage. When the car was gone thru, the value increased sharply and I transferred to PHLY (formerly Grundy) with agreed value policy. Talk to your current agent and ask about your situation....if you car is a driver and you dont consider it to be very valuable, a standard policy might be applicable. If you car is worth $$$ (a 34 probably is) call a few of the people in the game and get some quotes.....Haggerty and PHLY give online quotes. Bump the liability up to the max, it is very cheap to do.
Mike
mike in tucson is online now   Reply With Quote
Old 04-03-2012, 02:00 PM   #7
kp4150
Member
 
kp4150's Avatar
 
Join Date: Mar 2012
Location: NE Oklahoma
Posts: 64
Default Re: Auto Insurance

I'm using Condon-Skelly. Good rates based on agreed value, but restricted to recreational uses -- probably not best for 'daily drivers.'
kp4150 is offline   Reply With Quote
Old 04-03-2012, 03:50 PM   #8
sanborn
Senior Member
 
sanborn's Avatar
 
Join Date: Jul 2010
Location: Shelbyville TN
Posts: 174
Default Re: Auto Insurance

All of our vehicles/home/etc. are insured with State Farm. They don't take your "stated value" without an itemized appraisal from a competent appraiser. But, when they see the numbers----they accept the "stated value".

They do offer a unique coverage called "under insured". My local agent stated she has several Bentleys insured this way----because a $25K limit on many drivers policies would not even begin to repair a new Bentley.

I think your service depends upon the local agent.
sanborn is offline   Reply With Quote
Old 04-03-2012, 08:26 PM   #9
Pat/Ohio
Senior Member
 
Pat/Ohio's Avatar
 
Join Date: May 2010
Location: Wilmington, OH/Lakeland, FL
Posts: 822
Default Re: Auto Insurance

I have switched to Heacock Classic Car Ins. recently after a little research...rates etc. Hope I never need them!

Pat
Pat/Ohio is offline   Reply With Quote
Old 04-03-2012, 08:49 PM   #10
paul2748
Senior Member
 
paul2748's Avatar
 
Join Date: May 2010
Location: Midland Park, NJ
Posts: 2,905
Default Re: Auto Insurance

Be aware the JC Taylor and Grundy are not the same insurance companies of old. Both have changed hands over the last few years.

The people that took over JC Taylor seem to know nothing about old cars, at least as a friend of mine is concerned. He had a 57 Bird that was hit by a semi and sustained a lot of damage. He had a very hard time convincing Taylor that it was not a RV that the new company specialized in. Then when they sent an adjuster out he really low balled the damage (either through ignorance or on purpose) so much that my friend had to get a lawyer to get compensated. I don't know if they have cleaned up thier act yet.

Grundy was bought out about a year ago and from what I heard they are not very good.
paul2748 is offline   Reply With Quote
Old 04-03-2012, 09:44 PM   #11
tierod
Senior Member
 
tierod's Avatar
 
Join Date: May 2010
Location: KILLINGWORTH, CT
Posts: 145
Thumbs up Re: Auto Insurance

Have used Hagerty over the years for several cars. Had good luck including using their road svc coverage for a flatbed ride for my broken pu
tierod is offline   Reply With Quote
Old 04-04-2012, 06:24 AM   #12
Vic Piano
Senior Member
 
Vic Piano's Avatar
 
Join Date: May 2010
Location: Odessa, FL
Posts: 7,554
Default Re: Auto Insurance

Quote:
Originally Posted by paul2748 View Post
Be aware the JC Taylor and Grundy are not the same insurance companies of old. Both have changed hands over the last few years.

The people that took over JC Taylor seem to know nothing about old cars, at least as a friend of mine is concerned. He had a 57 Bird that was hit by a semi and sustained a lot of damage. He had a very hard time convincing Taylor that it was not a RV that the new company specialized in. Then when they sent an adjuster out he really low balled the damage (either through ignorance or on purpose) so much that my friend had to get a lawyer to get compensated. I don't know if they have cleaned up thier act yet.

Grundy was bought out about a year ago and from what I heard they are not very good.
That's too bad about your friend and his T-Bird. I had a '63 Studebaker Avanti that got wrecked, I had the car covered for $20,000 and got a check from JC Taylor for the full amount in a week, they also provided an Attorney at no cost to me. I know they've changed ownership but I have not had any trouble with them.
__________________
Imagination is more important than knowledge.
Vic Piano is offline   Reply With Quote
Old 04-04-2012, 06:39 AM   #13
Robert/Texas
Senior Member
 
Robert/Texas's Avatar
 
Join Date: May 2010
Location: Burton, Texas
Posts: 455
Default Re: Auto Insurance

I had JC Taylor insurance on my cars for over 20 years. I had one claim with them, the right rear fender on my '34 roadster was bent up badly in a Walmart parking lot and they paid for fixing it without any questions. I changed to Hagerty last year because the rates were about $150 less (6 cars) and they offered free towing insurance (10 miles I think). Last year when I was stranded in a Fredericksburg, Texas motel parking lot during the 1000 mile Texas tour with a bad fuel pump they sent a wrecker out and the man pulled the car backwards onto the wrecker platform so that we could push it into my trailer. The only problem was that at first they said that the car was not covered by my policy as it was over 25 years old. It turned out that the same outfit that serves Hagerty serves my other towing policy (FMCA motorhome insurance) and after this was figured out, all went well. I have since renewed the Hagerty policy.
Robert/Texas is offline   Reply With Quote
Old 04-04-2012, 06:40 AM   #14
Cecil/WV
Senior Member
 
Cecil/WV's Avatar
 
Join Date: May 2010
Location: Gerrardstown, WV
Posts: 2,211
Default Re: Auto Insurance

I used to have JC Taylor for many years and had one claim that was handled very well. A friend of mine had a '49 Ford that he just finished restoration on last spring and totaled it in early summer. He was insured with Taylor and when he insured it, they tried to get him to get $10,000.00 more than he actually put on it. When they settled the claim, they paid hos son to remove the front clip to better see the damage and then paid him the insured amount with no problem.

I changed to Hagerty in 2008 because of more flexibility in when I could drive my cars and it was a bit cheaper and they insured my wife's 2001 Mustang conv. I have had a windshield and one other claim with them with no problems.

Check them all out and choose the one that sounds the best for your wants and needs.
Cecil/WV is offline   Reply With Quote
Old 04-04-2012, 06:51 AM   #15
31chevy
Senior Member
 
31chevy's Avatar
 
Join Date: May 2010
Location: Lake City Mi.
Posts: 807
Default Re: Auto Insurance

I have 3 cars with Hagerty. Friend of mine had his 71 Torino totaled & they gave him the agreed value plus let him keep the car. Nice people to do business with.
Gary.
31chevy is offline   Reply With Quote
Old 04-04-2012, 08:12 AM   #16
Bruno
Member
 
Join Date: May 2010
Location: Little Rock, AR
Posts: 86
Default Re: Auto Insurance

Been with J. C. Taylor for 12 years on my 1952 F1 - have never had a claim so I cannot speak to that part but I think their rates and coverages are very good.
Bruno is offline   Reply With Quote
Old 04-07-2012, 08:26 AM   #17
desotoguy
Senior Member
 
Join Date: Nov 2011
Location: Greenwood SC
Posts: 274
Default Re: Auto Insurance

Quote:
Originally Posted by paul2748 View Post
Be aware the JC Taylor and Grundy are not the same insurance companies of old. Both have changed hands over the last few years.

The people that took over JC Taylor seem to know nothing about old cars, at least as a friend of mine is concerned. He had a 57 Bird that was hit by a semi and sustained a lot of damage. He had a very hard time convincing Taylor that it was not a RV that the new company specialized in. Then when they sent an adjuster out he really low balled the damage (either through ignorance or on purpose) so much that my friend had to get a lawyer to get compensated. I don't know if they have cleaned up thier act yet.

Grundy was bought out about a year ago and from what I heard they are not very good.
If the Tbird was hit by a semi, why didn't the semi libiality cover the repair?
desotoguy is offline   Reply With Quote
Old 04-07-2012, 09:40 AM   #18
barnstuf
Senior Member
 
Join Date: May 2010
Location: Cape Cod MA
Posts: 2,840
Default Re: Auto Insurance

I have been insured by Grundy for many years and have never had a claim. I am in Massachusetts where liability insurance is compulsory. I paid my Grundy policy bill the day I received it, yet two months later I received a letter from them that they had notified the Registry of Motor Vehicles that the liability insurance on my cars was to be cancelled in 10 days for non payment and therefore my registrations would be revoked. I phoned Grundy and told them I had a cancelled check for the payment. I mailed them a photocopy of the cancelled check, the cancellation was revoked, but they did not apologize for their error and this leaves a bad taste in my mouth. I have heard through other sources that their record keeping is not well organized. On another note I have a friend who applied to Grundy for coverage on three antique cars, all being original condition survivors, a perfect driving record, was refused coverage as his cars were not restored. They are not what they used to be.
barnstuf is offline   Reply With Quote
Old 04-07-2012, 10:24 AM   #19
rotorwrench
Senior Member
 
rotorwrench's Avatar
 
Join Date: Jun 2010
Location: San Antonio, Texas
Posts: 12,197
Default Re: Auto Insurance

Many of those firms were probably started by folks who had been in the insurance business and owned older antique or classis cars. They saw the niche market that was being neglected and moved into the business of old car insurance. When the original owners retire and sell their stock out, the companies that purchase them seldom have the same idea about how to run the program. Many are only purchasing them for the revenue income for a long enough period to transfer it to a different buisness like RVs & motorcycles. They don't continue policy that doesn't bring large profits.

It's the American way, sad to say.
rotorwrench is offline   Reply With Quote
Old 04-07-2012, 09:03 PM   #20
wspiker
Senior Member
 
wspiker's Avatar
 
Join Date: Feb 2011
Location: Sacramento, CA
Posts: 190
Default Re: Auto Insurance

Hagerty!!!!! You can't lose.
wspiker is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Sponsored Links (Register now to hide all advertisements)


All times are GMT -5. The time now is 05:19 PM.