[BrakeL8]

I'm lazy - and don't like to jump companies to save a few dollars (up to about 25-50% if we're being honest).

1987 Carrera Coupe
$58k agreed/guaranteed value.
Policy matched by line items aside from spare parts coverage (ie tool theft/loss in the garage- $1500 w/ Hagerty vs. $500 w/ American Collectors)

Southern CA

I don't put anywhere near 2,000 miles per year on the car - was wondering why on earth I was paying so much w/ Hagerty (just "felt" high if you will).

FLOORED when American Collectors quoted it out at $463 for the year.

I called Hagerty back to see if perhaps I was miscategorized or something that could explain the delta. The woman was very helpful/kind - mentioned she's seen this occasionally where it just feels materially incorrect and would bring up in the staff meeting.

The guy at American Collectors said that he's seen a LOT of 80's/90's car owners migrating as Hagerty prices have skyrocketed. Mine have crept up - but honestly started out at maybe $1500/year and I didn't get comparison quotes as I figured they'd be the same and Hagerty was the top of the food chain.

Moral of the story: do a little digging.

Not 100% sold - but have seen positive posts on here and other forums re: American Collectors - I'm all for company loyalty but not at FOUR TIMES the cost.