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NOT happy with Hagerty Insurance
So I jump through all the hoops, all the paperwork, pictures, signatures of excluded drivers, etc... Hagerty issues my policy and then 3 days later cancels because I said I would drive to work maybe once per week if the Weather was nice (with the car securely parked outside my office window). Mind you I said this upfront so why the heck didn't they have a problem with it then.
Now I have to go through the whole process again with Midwest Classic. Hope it goes smoother. |
I doubt you will have much sucess with Midwest either. If you want to insure the car like a classic car they generally forbid driving it to work or running any kind of daily errands in it. I have Midwest insurance on 3 cars including my Cobra and I'm happy with them. I recently asked if they could cover my 2003 Ford Lightning (14K original miles - gets driven about 700 miles a year at most). They initially said yes, but I kept pressing for their acknowledgement that I use the truck several times a year to pull a small trailer to Home Depot or the Nursery to get mulch, topsoil, plants, lumber, etc. Finally they said - well, if you intend to use it like a truck as you describe, it would probably be best if we don't cover it. So, I've kept it on my daily driver insurance policy.
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I had Hagerty start the process with me and then come back and say they would not insure a Cobra. I went with Midwest. The application was quick and easy with Midwest. They were great to work with. I even have a rider that allows me to drive to work occasionally on the policy. My kids are not happy about the excluded driver part of the Cobra policy. However, I was not going to let them drive my Cobra anyway. Midwest was also cheaper than Hagerty.
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I went with Midwest and for a little extra money they increased my yearly mileage allowance and allowed me to drive it to work 2 times per week. I am satisfied so far with Midwest.
Jim |
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You will drive it to a PRISON!?!?!:3DSMILE: |
What's the big deal about driving to work. None of us would do it daily ( weather would see to that) and we would park it somewhere safe and secure. Sucker can just as easily be stolen at a restaurant on a fun drive.
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I'm not an insurance expert, but even for insuring "normal" cars, insurance companies ask if the vehicle is driven to work. Obviously, this is a major risk category for them. There are folks on this forum that work in the insurance industry that can provide a much better answer, but my point is that it is a typical breakdown.
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If Midwest has an extra cost rider available to drive the car to work occassionally, then they are probably what you are looking for. I've only been with them a couple of years but so far, so good.
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I have my cobra insured with Heacock classic and have had no problems:):)
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Midwest! Good service. & fair cost.
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Rick,
Well, I might not drive it to work that often %/....Sometimes you need a little Cobra therapy after a hard day at work :eek: to decompress on the way home :D Jim |
I have Midwest as well with the allowance for driving to work. It's a little increase, but knowing my car is sitting next to the building waiting for me after work always makes the end of the day very relaxing. The guys I work with keep a space open right under the camera in the lot so I can park there. Our security guys have even sent me screen shots of people looking at my car when I was in the building (License plate information as well).
You won't go wrong with Midwest. Hagerty insures my fathers T-Bucket and wouldn't even look at mine. Said my car had the ability to get out of control too quickly. :eek: Seems a 1,200 lb tbucket with 400 hp is so much more controllable than my car. Had to laugh at that one. Scott |
I'm with American Modern thru. A.A.A's……. So far no problems.
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My Midwest insurance is actually underwritten by American Modern. I think this can vary from State to State.
I had used American Collectors Insurance for years on a couple old cars. They wanted $800 +/- per year additional when I tried to add my Cobra to my policy. After recovering my wits and blurting out "are you crazy" I asked why would it be more than double the costs of my 66-427 Corvette for less covered value. She mumbled something about replacement and repair parts are harder to find for kit cars. I said thank you - I'll take my business elsewhere, and did. Funny - I can pick up the phone and call ERA M-F and get anything I need for my car. I can do the same for some of my 66 Corvette but not for everything. |
I have had my Cobra and Daytona Coupe insured through State Farm for 14 years. No problems ever. Premium is about $200 every 6 mos.
Clois |
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Thanks for all the input. Robbin at Midwest hooked me up with American Modern and I am now covered. Plus it was cheaper than Hagerty!
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