Bruzilla
Well-Known Member
After being with Haggerty for three years, and with my policies coming up for renewal, I decided to check with my regular insurer to see what deal I could get with them. I didn't even bother before as I assumed they wouldn't cover a 70s car, but turns out I was wrong.
I contacted Direct General, and got a hold of a youngin on the phone. I gave her the VIN and the first thing she says is "your VIN is wrong. It doesn't have enough numbers." I had to explain to her that 13 numbers was the norm before 1981, and she told me she hadn't been born yet and I told her I kinda figured that. Their automated system doesn't accept anything older than 1981, but she was able to do a manual entry for me. Then she said she had to go get management approval to cover the car and put me on hold.
She came back on a minute or so later and told me they would cover my car with the same terms and conditions as my newer cars, but they would use the NADA value for the car, $24,000, for value purposes, which I told her was fine by me as I think the car is worth well less than that.
The bottom line came out to a $28 increase to my monthly premium, but I got a decrease because I didn't need to have some additional coverages that Haggerty required me to have, so between not having to pay the Haggerty expenses I'm paying about $20/month less and only having to be concerned with one company.
I contacted Direct General, and got a hold of a youngin on the phone. I gave her the VIN and the first thing she says is "your VIN is wrong. It doesn't have enough numbers." I had to explain to her that 13 numbers was the norm before 1981, and she told me she hadn't been born yet and I told her I kinda figured that. Their automated system doesn't accept anything older than 1981, but she was able to do a manual entry for me. Then she said she had to go get management approval to cover the car and put me on hold.
She came back on a minute or so later and told me they would cover my car with the same terms and conditions as my newer cars, but they would use the NADA value for the car, $24,000, for value purposes, which I told her was fine by me as I think the car is worth well less than that.
The bottom line came out to a $28 increase to my monthly premium, but I got a decrease because I didn't need to have some additional coverages that Haggerty required me to have, so between not having to pay the Haggerty expenses I'm paying about $20/month less and only having to be concerned with one company.