Need help with insurance...

Auto insurance sucks. It'll get better once your 25+. Maybe you can look into some of the specialty companies since you drive so few of miles. I use geico and I pay about the same as you with all 3 of my cars full coverage.

 

That's odd mine is noted as a Mach 1. Have you spoke to them about it

 

Get that changed asap dude. If God forbid something happens and the car is stolen or totaled, you're ****ed. That might even be against the law, idk if I'm right about that.

 

I'm with Progressive and have been with them for over 10 years (emerald membership) no accidents or tickets in 6+ years. Married. Age 29. Homeowner. Multi-policy. Multi-vehicle. I pay $96 every 6 months ($16 per month) for the red cobra. I have full coverage (comp+collision) which includes coverage for uninsured/underinsured motorist and a $2000 deductible.

The "agreed upon value" is a rip off unless you can convince them to make you a custom quote, which most places won't do because they just want to plug the VIN into their system, along with your personal info, and create a cookie-cutter policy. Without going to a specialty insurance company, the only way to get the "value" of your car up above what their computer system is going to tell them is to have them put in a value for "Custom Parts and/or Equipment." The downfall to this is that you have to have receipts and/or documentation to back up what you're saying. Luckily I have the documentation for all of the stuff I've done to the car, so they're showing a value of $14k for it on their end.... otherwise, without the custom parts and equipment, their system is telling them the car is only worth around $8k.

 

Hagerty will take care of you. Give em a call.

 

When I had my CSX insured I had done it through Grundy with an agreed upon value of $10K I think (or something around that). I drove it very little and it was garaged. I want to say it was like $130 PER YEAR. I never had a claim so I can't speak to how well they covered me in a pinch. It also wasn't my daily driver.

 

Didnt know that was hagerty's policy.They have great rates. Geico can eat sh** trying to charge you that much! At 25 try hagerty again their prices and policies are great for our cars. Glad you were able to find some closure.

 

^That's true, I also have USAA and they are great to me.

 

Duly noted

 

I have nothing good to say about USAA.

They screwed me on one of my trucks. So I abuse my roadside assistance. After 1 tow a year on each vehcile i get my money back .... great if you need a DD lol. Geico is pretty good and used them previously.

 

Progressive is owned by George Sorros who funded Obama's campaign so I will never do business with them. I have a 94 Cobra with $30k stated value with no milage restrictions. Give J.C. Taylor Insurance company a call at 1800 345-8290 my premium is $500 a year but I'm old.

 

No they're not.

 

Look into Grundy, Haggerty, or American Collectors. You're kind of stuck with higher pricing due to your age and risk, but your best bet is to shop around. Agreed value is the way to go. These cars don't hold any value and the older they get in an insurance companies eyes you will only get the ACV which will be a joke.

 

And Progressive is not owned by George Sorros lol

 

When I turned 18 I paid $22 per month for my car lol that was with allstate