Hey you "header" bisch's!! Save that shyte for the header thread!! It doesn't belong on this one!! :D

I'm used to manipulating 3" wide hose...

For IcyHottStuff!

<iframe width="854" height="480" src="https://www.youtube.com/embed/RzqtXi8T67w" frameborder="0" allowfullscreen></iframe>

Ohhhh the possibilities with that layup!!!

Stop trying to get me in trouble, Jeff!!! :D

Busted.
:D:D

Said the guy who didn't want to check under my skirt.

And just out of curiosity I looked at Haggerty today for the first time. No way in hell any of these cars are selling for their prices.
The #3 rating was at $137,000.00. What a joke.

Hey you "Hagerty" bisch's!! Save that shyte for the header thread!! It doesn't belong on this one!! :D

did you install, or have you tried installing the heater boxes after installing or without removing the headers? I only need heat about 4mos a year so I don't want to leave them on all year. Ideally as posted previously, I'll prob just run a flex pipe thru the headers for simplicity and ease of removal, and sell the heater boxes.

Oops, Sorry. :D

I put them on as a unit, so I'm not positive, but my guess you could install them with the headers on. Brian could tell you for sure whether that could be done, but I don't see the purpose of removing them once they're on.

It is in Hagerty's best interest to inflate the values so they can try to sell you 125k in coverage for your 75 k car.

^^^

It sure seems like that must be Hagerty's motivation for the absolutely ridiculous valuations stats (which have been nonsense since the start of the "price increase wave" of these cars). When this has been suggested in the past, some people point out that Hagerty is hurting themselves by paying out for over insured vehicles, but maybe they do so little paying out, that there is not much risk there for them?

Excellence's evaluations are just as bad, butt maybe they get their info from Hagerty?

They are so much more expensive than Grundy's is, and I'm sure the actuarials are the same, so yeah, Hagerty makes a killing on agreed value classic car insurance.

^^^

Speaking of expensive, Hagerty was more than double the cost of American Collector's when I checked last year. I'm going to shop around some more, though, as AC is very expensive, too (will check Grundy, thanks).

Never heard a bad word about Grundy's around here, but as with most of these cars and insurance, there isn't a lot of data for actual claims.

I think your skirt needs checking . . . again! DeezNutzDerrick will get with you (yes, like THAT :eek:) soon!!!

"When this has been suggested in the past, some people point out that Hagerty is hurting themselves by paying out for over insured vehicles, but maybe they do so little paying out, that there is not much risk there for them?"

Yeah I had someone tell me that once. Then I asked him to tell me with a straight face that Hagerty does it because they lose money doing it. I can guarantee that they do not lose money doing it, if they did, they wouldn't do it. They do pay their claims. True story - My friend completed a 2+ year 1.5 resto on a '67 E type roadster. new sills, floor pans, etc, complete mechanical, bare metal PPG, etc, etc. no bondo, all lead in the seams, absolutely drop dead gorgeous car, he is an absolute artist. He had it on the road for one month and because of a senior moment ended up with a BIG dent and crease in the hood or "bonnet" in Brit speak. It buckled the bonnet and bent the front subframe. The same incident destroyed
his tool chest and pushed in the wall of his bathroom some. As you can imagine he was sick for a few days. Anyway Hagerty paid the $10k+ claim to have it repaired at a very high end shop and they did a superb job, a lot of old school metal work with the dollys, shrinking disc, etc, no lead or bondo, you cannot tell today. No hassle whatsoever and they even gave him four free ticks to the Vintage w/e at the Glen and he gave me two ticks. Not sure if they covered the shrink's bills though...

I will say this again, and no one has ever replied, if Hagerty's valuations are self serving, then why haven't they done it across the board to all collector cars? They haven't.

On the other hand they were the only people that would insure my car because I live in a high rise condo with a parking garage. So anyone with access to the garage could access my car. Even though the access is key fobbed and 24x7 video and physically monitored. Leland West who I previously insure with not only refused to insure me in the high rise but actually hung up on me.

So, you don't want to discuss values....and then you do...
What's your rules guys?

Maybe it has something to do with Hagerty's hlgher premiums. They wanted 800+ for 40g 2 years ago, I have been paying 400+ for 40g and better coverage thru Leland West (American Modern).

I'm getting other quotes this year, I've been with Hagerty for a long time but now they need to be more competitive.

"I will say this again, and no one has ever replied, if Hagerty's valuations are self serving, then why haven't they done it across the board to all collector cars? They haven't. "

They have done it with E-types, I only ever look at those and Porsches. Maybe I should take a look at the Ferrari 250 GTO's, I've had one stashed in my mum's garage for a few decades with a bunch of furniture stacked on top of it. Are they worth anything?

No, they are worthless, but I'll clean out your garage for you and take the POS car as payment, even though it isn't worth even that.

You're welcome.

I've had Grund(le)y since I got mine in '07 and they're CHEAP (something like $385 for $85k)

and I had a nominal claim years ago - they didn't flinch at paying and quick... great experience overall

and no I won't discuss values (beyond what I just stated my coverage is for)... however, that said:

oBOOBSo

(because)

My renewal was just due. Because of this thread I checked Grundy. They were almost half. Called Haggerty to cancel my renewal and guess what. Negotiations are alive and well. Saved 31% and stayed with Haggerty. It's more money than Grundy, but there are more complaints on the web about Grundy's customer service and fighting total losses.

Question for you Grundy, Haggerty, Collector Car Insurance types.....when you get a quote online, do they take into consideration the vehicle is not driven during the Winter months. Living in Wisconsin, my car is stored for 6 months out of a year.

Grundy and Haggerty adjust for mileage. Under 500 miles a year is really cheap. 500 to 5,000 jumps up. Grundy has a 500 or less option in the on-line forms. Haggerty you have to ask.

I wasn't asked about mileage with Grundy and they don't restrict it and it was less than half of the hagerty quote. Of course, there are a lot of variables entered into the actuarial tables when coming up with a rate, like zip code (which will take into account crime rates, accident rates, weather, driving season, etc), driver info, value, and more, so it is difficult for us to compare apples to apples each others quotes.

Uhhhh, I thought we were discussing insurance companies, one in particular, that have their heads up their keisters when it comes to valuing these cars (not actually discussing the cars' value).

No rules - it doesn't bother me one bit if you or others want to discuss values, and in fact, I find the threads fun and entertaining because of all the silliness that jumps off in them (not to mention that it's difficult to look away when car nerds start spewing information that is nonsense).


Now this is interesting and a factor of insurance choice that I never considered (I don't know much about the insurance business, honestly).

Insurance business is nothing more than very sophisticated gambling. Whether they stay in business and make money is totally dependent on how accurately they can forecast their claims. They look at everything, single,married divorced, age, zip code, own, rent, driving record, any criminal record, ad infinitum. Rawknee did you tell them you were a tranny when they gave you a quote? One subtle benefit of the over-valuation is the psychological effect on the insured thinking he has a 125k car vs a 75k car. Maybe he will take a little less risk since he thinks it's worth 125k, like taking more care in picking a parking spot, less risky driving behavior, etc.

Seriously, just go away and leave people to post what they want without having to hear about you complain about it no matter what they say. Why do you care and what kind of arrogance do you have to think that others should actually follow your convoluted opinions on how to post? Just. Let. It. Be. and either enjoy what's posted or don't, but don't feel obligated to tell us either way.

I disclosed that I have a really big **** (even provided pics) - that saved me quite a bit on my yearly premium! :eek:

I brought this up to the Haggarty agent I was talking too. He mentioned my stated value was a little low. I chuckled and said if you can find someone to pay me $187,000 for my car let me know.

I think I jinxed myself. While typing this my Commercial Liability Ins broker called. Time for renewal and wants to meet tomorrow. :mad: I'll be getting one of those really big **** where the sun don't shine...

^^^^
187K?

Could you describe the 930 in question. Is it a perfect factory example?
As far as the other matter is concerned, have a lot of KY handy. :)

^^^

A one week supply for Deez! :eek:

http://blog.stackcommerce.com/wp-con...15/07/lube.png

^^^^ ++ one of these...

http://forums.pelicanparts.com/uploa...1487110745.jpg

That is Haggerty's latest #2 Value. Not that mine would fall into that category.
#1 = 212K
#3 = 125K

What scares the heck out of me is you knew that stuff is available in 55 gallon drums. :eek:

^^^

You should be scared, Deez, very, very scared - guard thy loins, bro !!! :eek: