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Insurance experts,..please respond:::
Guys,
In a nutshell: which insurance carriers (based on your experience) DO NOT require your P-car to be garaged? Do they even exist? I do undertsand that most do require this,..still,..are there others who don't (and charge accordingly)? Thanks!
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Recording Engineer, Administrator and Entrepeneur Designer of Fine Studios, Tube Amplifier Guru 1989 Porsche 911 Carrera Coupe 25th Anniversary Special Edition Middle Georgia |
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12-20-2007, 01:31 PM
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Join Date: May 2002
Location: Portland, Oregon
Posts: 12,651
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Mine does not need to be garaged. I am with State Farm.
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Harry 1970 VW Sunroof Bus - "The Magic Bus" 1971 Jaguar XKE 2+2 V12 Coupe - {insert name here} 1973.5 911T Targa - "Smokey" 2020 MB E350 4Matic |
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12-20-2007, 06:04 PM
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RETIRED
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It's mostly the vintage, Sunday driver with tons of restrictions that get you a low dollar premium companies that require that.
Screw it...if I wanna drive to work or go get a six pack, I'll pay the extra bucks for daily driver insurance...
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1983/3.6, backdate to long hood 2012 ML350 3.0 Turbo Diesel |
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12-20-2007, 06:10 PM
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mikez: I'm the same way. I'm with GEICO (3 cars). My real ONLY concern is with valuation of the Porsche should something happen (God forbid). I've had her a bit over a year now, purchased at $21K. I'm sure the insurance policy is stated value (as we've not "agreed to" anything as to value) I prefer to have an "agreed to value" policy.
Guess it's time to give GEICO a call to discuss. A friend told me that they have some type of "special car" division (requires low use, must be garaged and will provide me a quote as to an "agreed to value" policy. All I really want to do is have GEICO provide me this type coverage with NO mileage limitation, no garage requirements, etc. Let's see what shakes... Thanks!
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Recording Engineer, Administrator and Entrepeneur Designer of Fine Studios, Tube Amplifier Guru 1989 Porsche 911 Carrera Coupe 25th Anniversary Special Edition Middle Georgia |
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12-21-2007, 09:30 AM
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New kid in town
Join Date: Nov 2001
Posts: 2,288
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I was with Progressive and they asked me what it was worth and wrote the policy based on that number. Simple as that.
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I wish I still had 9111113443... |
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12-21-2007, 09:34 AM
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Join Date: Jan 2004
Location: Sin City
Posts: 1,652
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USAA doesn't have any such restrictions normally. Great company to deal with. But, not everyone is eligible for coverage by them.
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2018 911 Carrera coupe 1972 911T targa |
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12-21-2007, 10:08 AM
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Senior Member
Join Date: Feb 2000
Location: Lacey, WA. USA
Posts: 25,310
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I am going through an insurance valuation hassle right now. Extremely frustrating, to say the very least. It looks as if the end game is going to involve a pair of professional appraisers. The initial valuation of my car was about $9K. The end result is likely to be something North of $12K. If I get a chance, I would be vigorously in support of legislation that fines insurance companies where the professional appraiser's figure is more than 30% higher than the initial settlement offer. ESURANCE offered $9K because they can. Not because that is a Planet Earth value, but just because that's the game they deliberately play. And it will be a huge hassle to achieve fairness. Again, I would like to see insurance companies get stung badly when they negotiate in bad faith. They are not about fairness or even security.
I strongly recommend an agreed-value policy.
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Man of Carbon Fiber (stronger than steel) Mocha 1978 911SC. "Coco" |
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12-21-2007, 01:06 PM
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Join Date: Apr 2007
Posts: 100
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USAA!
 but while were discussing this, do i need any special insurance if i want to start autocrossing or going to D.E.'s or track days? thanks
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12-21-2007, 01:37 PM
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Da cab
