#7687469 - 05/10/14 12:48 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Euphoricuck]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44790
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Hagerty is what 6 a year? You are better off getting tdmm for 6 months for same price and not have restrictions. Fire and theft is useless your house insurance will cover any damage to the car
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#7687500 - 05/10/14 02:47 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Euphoricuck]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44790
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I don't remember your TDMM numbers off the top of my head, but for the "car guys" here I am surprised you all sign up for this useless coverage that allows you to drive your car 3 times a year when the stars align.
TDMM for full coverage on the M3 is ~120/month or so, can't recall and my rates have changed recently as everything went down. My number is conservative at $120 so that's $720/year for 6 months and you can go drive your car without worrying that coverage may be void because 3 of 1209381203812903 million stars didn't align as per Hagerty's policy appendix star alignment in summer pertaining to using your summer car for anything more than a garage ornament...omg YOU ARE DRIVING IT?????. Just saying. Fuck that shit, pay $100-$200 more a year and enjoy your car 
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#7687505 - 05/10/14 03:16 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Risky Business]
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zc911
Ferrari4Sale 😎
Post Master Supreme
Registered: 01/01/00
Posts: 16449
Loc: toronto
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Meh it works for me, the agreed value is important for the Lanica. They also have stuff like glass coverage which is also important to me, try finding any piece of glass for the lancia on this continent lol. Also I dunno how you are getting cheap prices like that. I may call TD for the mustang on Monday as that I wouldn't mind driving more in the summer, I don't care about any of the agreed value stuff as much with that car. I did call for the ITR and they wanted $160 a month.
I don't think home insurance will cover a stolen or burned car in your garage?
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#7687569 - 05/10/14 04:34 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Euphoricuck]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44790
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My numbers are more(120 is not conservative for most ). And interesting point since you're flip flopping over $65/month  for 4 months. Plus my renters insurance will not cover a car in the garage. You have confirmation yours will? I've never heard of that. I drive and enjoy my car when I want. Just not to work anymore.
It depends on what insurance plan you have.
You don't need to have fire/theft on a car that sits inside your garage because it's covered under the contents part of your home policy. This is honestly a moot point, none of us are keeping 1M+ veyrons in our garages. A 10k M3 is fuck all and yes it will be covered under the TDMM home policy. The only thing they ask for is if you have auto insurance on it as that's supposed to be the primary when recovering damages, if you don't, it just falls under home and they pay out of that. At the end of the day all this shit is irrelevant as the chances of making a claim while your car is at home in the garage will most likely not happen in your life time so you are just pissing money away.
Whatever, everyone has a different situation, just saying Hagerty is a rip off in a sense due to restrictions and the price. If they charged $300, ok i get it, they charge the same was what a normal ins company would charge for pro rated 6 months.
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#7687610 - 05/10/14 05:55 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Senor Eduardo_82]
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spd-dmn
Post Master
Registered: 11/24/04
Posts: 2271
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so does home insurance cover a car in the garage but not outside on the driveway?
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#7687655 - 05/10/14 06:56 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Senor Eduardo_82]
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Screamin Type ARGH!
High Value Poster
Post Master Supreme
Registered: 02/20/01
Posts: 47669
Loc: T.O. - Canaduh
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An interesting case is going on right now between some people I know. One guy's uninsured car sat in his driveway and was damaged by flying debris from his neighbour's yard during a wind storm. The car owner's home insurance wouldn't cover it, and the debris owner's home insurance wouldn't cover it either.
It's likely going to small claims court ($3k damage to the car).
umm, sounds like dude shoulda had car insurance on his car, case closed. there is no such thing as 'act of God' in insurance, so it was a windstorm...simple as that, shitty luck the wind picked up whatever from the neighbours house and it hit his car, the neighbour can't control the wind and didn't make it happen. ( i could see maybe if it was something left our recklessly then maybe...but up to the judge i guess).
as guys mentioned above about TDMM, im with them still and get a decent discounted corp. rate and 1st accident forgiveness for almost nothing. no other company has matched except RBC (only because i have home ins. with them)
_________________________
 "Ban low performance drivers, not high performance cars"
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#7687699 - 05/10/14 08:07 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Screamin Type ARGH!]
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4age
XD XD XD XD
Post Master Sr
Registered: 09/11/01
Posts: 3969
Loc: North York, Ontario, Canada
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If haggerty sucks, why not zerhs or any of the other alternatives?
I insured my 240z for 150 a year. Full coverage. No restrictions like Haggerty except for cannot be used for driving to work and average 5k km per year over 5 years.
IIRC any car appraised at below 14k will be 150 a year with zerhs.
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#7687751 - 05/10/14 09:05 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Hatorade]
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hyper-s2k
Post Master Supreme
Registered: 12/01/05
Posts: 14556
Loc: T dot O dot, Canada
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This is interesting since I will be storing the M for winter as well. I've already inquired about just fire and theft and my insurance is fine with that.
who are you with?
_________________________
'08 //M3 - now @ 90,xxx km - wtf did i do?
'13 x1 - now @ 99,xxx km - a2b car
'10 x3 - now @ 123,xxx km - time 2 go?
'03 s2k - now @ 80,xxx km - a2a car
'08 535i - sold @ 149,421 km - cashed out just in time!
'08 impreza 2.5i - sold @ - 64,147 km - smh POS
'01 rav4 - killed @ 155,879 km - RIP old friend
"Driving in the snow is like sex. If you want to avoid accidents, abstinence is the best policy. If you're gonna take her for a spin, use protection." - Rick Mercer
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#7687823 - 05/10/14 10:44 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: hyper-s2k]
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Hatorade
pheggit
Post Master Supreme
Registered: 11/05/99
Posts: 26894
Loc: Toronto, ON
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This is interesting since I will be storing the M for winter as well. I've already inquired about just fire and theft and my insurance is fine with that. who are you with?
Desjardins. Fuck TDMM they wanted 40% more.
_________________________
'07 997.1 GT3
'08 E90 M3
'11 E90 d
'02 Rota Grid - 195-55-16FR (RIP)
'04 Volk GTC - 245-35-19F/275-35-19R (Sold to a farm boi)
I thought Spark was a robot from the old movie and I kind of remember seeing him telling some engineer showing the equation for a clear metal that the guy would event years later - porschetr
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#7687855 - 05/11/14 12:05 AM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Risky Business]
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Euphoricuck
Post Master Supreme
Registered: 11/05/03
Posts: 92703
Loc: Canadistan
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IIRC any car appraised at below 14k will be 150 a year with zerhs.
DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one. 
IIRC any car appraised at below 14k will be 150 a year with zerhs.
DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one.
IIRC any car appraised at below 14k will be 150 a year with zerhs.
DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one.
IIRC any car appraised at below 14k will be 150 a year with zerhs.
DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one.
IIRC any car appraised at below 14k will be 150 a year with zerhs.
DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one.
_________________________
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#7687872 - 05/11/14 12:48 AM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Risky Business]
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Wildout
Post Master Jr
Registered: 11/26/07
Posts: 1767
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IIRC any car appraised at below 14k will be 150 a year with zerhs.
DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one.
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#7691388 - 05/13/14 04:52 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Wildout]
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SharpSpoon
Post Master Sr
Registered: 11/29/04
Posts: 7254
Loc: GTA
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Mine dropped 32% this year. No idea why. Same address, ticket, etc on my record. Guess,I got screwed last year.
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#7760634 - 07/03/14 10:18 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: phoenixrage]
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Euphoricuck
Post Master Supreme
Registered: 11/05/03
Posts: 92703
Loc: Canadistan
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mine went down
and checked out zehrs website.
Vehicle Qualifications
Stock vehicles must be minimum of 20 years or older
Modified vehicles must be a minimum of 25 years or older
Replica vehicles only written if they are replicating an auto of pre-1950
Minimum vehicle appraisal value of $5000 plus tax
Comprehensive, authorized appraisal completed within the last 3 years
Vehicle must be stored in a locked garage
Vehicle must only be used for collector car activities including car shows, car club activities and occasional pleasure use. Vehicles cannot be used for regular transportation, (ie shopping, vacation, business and driving to/from work)
*For vehicles 15-20 years old please refer to our office for eligibility.
**Zehr Insurance Brokers has an “Exotic & Special Interest Vehicle” program that insures specialty used 0-14 year old collectible vehicles. Please refer to our office for eligibility.
Sorry, Zehr insurance cannot insure all antique vehicles including:
Any vehicles used for any type of racing, speed test, etc
Any vehicles used for towing/hauling, camping or commercial use
Any vehicle powered by Nitrous Oxide or Jet based fuel
Any vehicle with specialized “fluid” hydraullics
Any Japanese made vehicle less than 25 years old
Homemade vehicles
Any replica or kit car unless replicating a vehicle pre-1950
I emailed to find out if I qualify.
Online quick quote for vehicle value was $116 doe lololol
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#7760785 - 07/04/14 06:06 AM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: iamfob]
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spd-dmn
Post Master
Registered: 11/24/04
Posts: 2271
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"Any Japanese made vehicle less than 25 years old"
thats racist
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#7760875 - 07/04/14 08:54 AM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: Screamin Type ARGH!]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44790
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TDMM is unbeatable for me, I pay about $7x.xx/car for liability only, full coverage is about $11x.xx/car ($30 difference or so).
The only other company that comes relatively close to TDMM is Johnsons and if you bundle, their home insurance is better than TD's in terms of replacement policy, cost is also slightly cheaper.
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#7760935 - 07/04/14 09:57 AM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: c2k]
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Wildout
Post Master Jr
Registered: 11/26/07
Posts: 1767
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TDMM
$83.xx/liability only acura EL. The legacy was cheaper to insure 
Accident forgiveness & GF has a minor ticket.
Where we really save is on the house insurance based upon the thread I made last year
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#7762463 - 07/06/14 12:18 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: SharpSpoon]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44790
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Funny you say that, my lowest premium was when I was in the M postal code, once I went to L, 30% increase
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#7762854 - 07/06/14 10:26 PM
Re: Hagerty Insurance - anyone else's rates jump up?
[Re: SharpSpoon]
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iamfob
Post Master Supreme
Registered: 09/06/02
Posts: 24697
Loc: Out There
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so who's everyone insuring their DDs with? all this talk of rare, weekend cars are great, but i have one, modern car that i drive to wokr everyday lol.
SharpSpoon...please tell me more about your insurance! I bet my insurance is still pretty high compared to others but it was the best I found. TDMM I always had good luck with but have recently found Aviva to be cheaper. Civic Si plus M5 postal = shitty rate
Try have a L postal code in Brampton. It's fucking retarded.
I miss living in Mississauga, 35% cheaper for same car, driving record
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Thanks Aviva 
