Thread: So who is your insurance carrier and what do your rates look like

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I've got State Farm agreed value on my '71 pickup ($22.000) and my Mustang ($25,000) with a 3500 mile restriction on both, costs me $240 for both--But, I also have my house, house on the farm and the buildings there, and numerous other policies with them and have for better then 20 years. Put 3 miles on the pickup and 20 passes on the Mustang this year......so for me the mileage restriction is a non-issue.....

However, as "other Dave" mentioned, Grundy covers a car while under construction and being transported so I have a couple project cars insured with them. Same would say I pay way too much for insurance coverage, but having lost 3 of my cars in someone else's shop fire many years back, and the resulting total right off and NO insurance check from anyone I guess I don't mind. Yeah, I could of sued the guy who didn't have his shop insured, but he'd just lost everything in the fire and there was nothing left of his for me to get!!! Just an expensive lesson on insurance that the lowest rate is not always the best coverage!!!!


Make sure you know what your coverage is, and can afford the cost of a total loss if the worst should happen!!!!

I guess then based on the past household driving history I don't have too much to worry about so far with Grundy. I got a suspicious stop light ticket about 10 years ago which was cheaper to pay then challenge, and my wife tried to widen the garage entry way with her car, but I paid that "ding" out of pocket. Luckily, my insurance carrier, AMICA, forgave the one ticket.

Dave S - State Farm home office is less then 10 miles from me, and locally(NYS), they are horrible

Originally Posted by Dave Severson

I've got State Farm agreed value on my '71 pickup ($22.000) and my Mustang ($25,000) with a 3500 mile restriction on both, costs me $240 for both--But, I also have my house, house on the farm and the buildings there, and numerous other policies with them and have for better then 20 years. Put 3 miles on the pickup and 20 passes on the Mustang this year......so for me the mileage restriction is a non-issue.....

However, as "other Dave" mentioned, Grundy covers a car while under construction and being transported so I have a couple project cars insured with them. Same would say I pay way too much for insurance coverage, but having lost 3 of my cars in someone else's shop fire many years back, and the resulting total right off and NO insurance check from anyone I guess I don't mind. Yeah, I could of sued the guy who didn't have his shop insured, but he'd just lost everything in the fire and there was nothing left of his for me to get!!! Just an expensive lesson on insurance that the lowest rate is not always the best coverage!!!!


Make sure you know what your coverage is, and can afford the cost of a total loss if the worst should happen!!!!

Dave, I have State Farm stated value & my agent claims he doesn't even know what agree value insurance is! Says they don't offer it & he's never even heard of it!! What's up?? Bill

Originally Posted by billlsbird

Dave, I have State Farm stated value & my agent claims he doesn't even know what agree value insurance is! Says they don't offer it & he's never even heard of it!! What's up?? Bill

that is funny mine agent did. that is how both of my car s were. under a classic policy from state farm ? you may want a new agent ?

Originally Posted by pat mccarthy

that is funny mine agent did. that is how both of my car s were. under a classic policy from state farm ? you may want a new agent ?

Agents are not equal, that's for sure. My AmFam agent went to bat for me when I wanted to go pick up my roller chassis & body, but found that my truck/trailer insurance only covered the load for liability, not for any damage to the load. They wrote an auto policy for comp & collission only, and maintained it through construction for me. The CHROME guy was amazed that AmFam had done that for me. My only headache is that if I should have a total loss their contract language includes an "...or market value..." clause which will likely get us into an argument. State Farm is the same way, as is Allstate and the other "traditional" carriers. That said, my '33 is "....just another car..." to them - no restrictions on mileage, trips to the store, using it to run errands, or anything else. It is a pleasure vehicle, and I can use it as it pleases me