Insurance companies for 68 Charger?

[koosh]

Am looking to get quotes, and wondered if “ya’ll” had good experiences and fair pricing regarding insurance?
Thanks

 

[XS22J8R]

I use an agent for my classic car insurance. They had me with a good company, that later got bought out by Hagerty around 5 years ago. Hagerty kept the premiums steady for 2 years and all was fine. But then I got my next renewal notice for what my 3rd year was going to be, and it was going to get raised 40% for no reason I could figure out.
I called my agent at Rally, and she found me another company with premiums approximately what Hagerty was before they were going to jack up my rates. So I canceled Hagerty and switched to them, American Modern. My new renewal for 2026 just came in the mail last week. Rates reduced over 10% over this year!
This is my agent, collector car insurance is a specialty of theirs.
Home - Rally Insurance Group

 

[SlingLow]

I've been with Hagerty for over 5 years now with no major increase in premium. I do have 8 vehicles on the policy.

 

[WileE]

Price isn't everything. Research other factors as well when shopping for insurance, among them claims experiences.

 

[themechanic]

Scroll down and look at the first Similar Threads. Or, do a search for insurance and check the box to search Title Only.

 

[Dave6T4]

Call your agent. They may carry a company that has special policies for antique cars. I had the same experience with Poster # 2, with Hagerty. I contacted the agent that carries my policies on my house and everyday vehicle. They had a company that provides agreed coverage on older vehicles, and was slightly cheaper than my first provider. However, they require an appraisal every 5 years. I think this is a good idea, anyway, to keep abreast with changing values.

 

[Doorkicker]

I'm with Hagerty, 4 cars. No matter who you go with, make sure you get the car if it is totaled.

 

[Moms68]

I use NCM Insurance. Prior to that I had American Collector's, until they started raising their rates.

NCM Insurance

 

[69L48Z27]

X2 for NCM.

 

[BDnFL]

Am looking to get quotes, and wondered if “ya’ll” had good experiences and fair pricing regarding insurance?
Thanks

I got Hagerty for the third year. Car is finished and I need to up my coverage.
I’m paying a high price for a little coverage.

 

[Dennis H]

Try J C Taylor. Upper Darby.

 

[khryslerkid]

Hagerty. No complaints.

 

[Demonic]

You get what you pay for. Hagerty is likely the most expensive, but what kind of insurance do you want for a 68 Charger, really?

 

[RR Fan Dan]

So I canceled Hagerty and switched to them, American Modern

This^^^

 

[koosh]

Thanks all…. def going with NCM, American Modern.
Excellent coverage, with reasonable rate.

 

[Dave6T4]

Around here, (Ontario), Hagerty does not require an appraisal, as other vintage car insurance carriers do. Some people falsely see this as a savings. A couple of acquaintances of mine have had severe damage on their vehicles, and have had quite a fight getting a fair settlement from Hagerty. Their contracted adjusters undervalued the repair costs to make the cars whole again.

 

[SteveSS]

Hagerty. I've had a few claims with no problems. You're automatically a Driver's Club member with a magazine and discounts. I have a bunch of cars with them and after a few each new one seems cheaper than the last.

 

[XS22J8R]

Hagerty. I've had a few claims with no problems. You're automatically a Driver's Club member with a magazine and discounts. I have a bunch of cars with them and after a few each new one seems cheaper than the last.

From what I could gather, their rates are based mostly on what your most expensive car insured with them is. I had 2 six pack cars valued at $125K and $85K with them and my convertible valued at $75K.
Then I bought my Magnum and called to add it. My agent called back and said my premium increase would be $25!
They only wanted to insure it for $15K and I’d paid more for it. It’s a GT T tops, one of the nicest out there. Find another.
The agent talked them into accepting $20K agreed value.
A year later, Hagerty sent me a letter saying they did a review and my V code was underinsured and should be $105K instead of $85K, and the Magnum should be $25K!
I called the agent and told her the V code isn’t worth $105K but maybe we should increase it to $95K. And I’m good with going $25K on my Magnum.
She calls back and says the V code is now agreed at $95K, but Hagerty wouldn’t increase the agreed on the Magnum.
Wait, they’re the ones who said it was underinsured??
And I’ve been trying to sell the V code off and on for years and if it got totaled $95K is more than I’d sell it for and no one’s biting, so they’d pay me more than anyone else would?
I don’t get insurance?!
Hagerty charged me another $45 a year to be in their drivers club. Is it automatically included now?
My buddy has his collection insured with Hagerty and seems to have a car break down at least once a year. He typically waits 4 hours for the tow truck to show after calling Hagerty.
I’ve heard similar stories about AAA though.

 

[dadsbee]

Hagerty charged me another $45 a year to be in their drivers club. Is it automatically included now?

No they add it in the premium.. no choice and I read Jay Leno's column and throw the rag in the recycling bin there after.

 

[HEMI-ITIS]

Grundy for years,no claims and no premium increases.
Rollcage and blower through the hood!