Nonsense Thread

[Panici]

They mostly care about ... whatever car you have w them to be parked inside.

I don't know that this is strictly true.

Most of my stuff sits outside (only the E30 has a 'reserved' garage spot).
They did specifically ask where I would park, but didn't seem to have any issue when I told them about parking in my driveway.

[varg]

WTF is going on a bringatrailer? Someone sent me this:
https://bringatrailer.com/listing/2006-honda-accord-10/ a friggin automatic accord with crash history! Oh wow 52k miles, so what? It's a 19 year old base model automatic Accord, a car that won't be interesting until it's 50+ years old and in that condition. I get that there's some appeal to some things with astoundingly low mileage and good condition, but this is just low but believable mileage plus it was in an accident and you can see the respray mismatch in the pics. It's a good first car you won't have to work on often for your 16 year old freshly licensed kid and that's about it.

There are all sorts of uninteresting regular traffic cars on BAT now, did BAT change ownership or something?
https://bringatrailer.com/listing/20...-cabriolet-18/ boca raton grandma car
https://bringatrailer.com/listing/2015-audi-q7-24/ literal soccer mom car
https://bringatrailer.com/listing/20...benz-glk350-2/ another soccer mom car
https://bringatrailer.com/listing/2012-bmw-535i-4/ yawned while I was pasting this it is so uninteresting
https://bringatrailer.com/listing/20...e350-sedan-32/ another boca raton grandma car
https://bringatrailer.com/listing/20...p-wrangler-82/ just what? It's a crummy modern jeep

This is a hilarious rabbit hole to go down; "cars you wouldn't look twice at unless they were on fire of bringatrailer". I know there's a BAT isn't what it used to be meme but I didn't realize it had gotten to the point where stuff that belongs on craigslist or autotrader is listed on BAT now.

I plan to take the car to auto-x or some HPDE events. How does Hagerty deal with this? Do they just not cover anything that happens during the event? It's so much less expensive, is there a catch?

They probably just don't cover it, they seem to have outrageously limited coverage. When I was shopping agreed value policy coverage for my FD the Hagerty rep told me they wouldn't cover any sort of "daily driving" type use, including something like taking it on a road trip up to TOTD and it being used to go to the store or something while on the trip. Basically all they said they covered was pleasure drives, going to car shows. I don't know if it was just that rep or if that's how Hagerty is. I had planned to go to the Deals Gap rotary rally with my car, so it was of concern whether they'd cover that sort of thing.

[dreamchasin]

hi

[McGyver]

I'm currently paying $82/mo with USAA. It looks like Hagerty wants to know if you plan to track the car, but it doesn't impact the cost. They quoted me $37/mo as-is, and $46/mo once the car is making ~350hp with a turbo.

I plan to take the car to auto-x or some HPDE events. How does Hagerty deal with this? Do they just not cover anything that happens during the event? It's so much less expensive, is there a catch?

[Northern]

Seems like no company wants to insure >2 cars, anything modified, anything >10 years old, anyone with minor tickets (despite basically everywhere in NA moving further and further toward tickets as revenue generation).

Or they just hear any of these and see dollar signs. Yeah, probably this one.

[MrBurgundy]

Most companies wouldn't even insure me.

Perfect driving record. Not even one ticket. No accidents

Haven't had a claim in 10 years and that wasn't even my fault

[varg]

$300/month for two bikes? Good lord. Insurance is not cheap here, but I paid less than $300 for this year's coverage on my ZRX.

[MrBurgundy]

Insurance has continued to be a gong show.
Economical decided later on that they didn't like the e30 after all, so it will be with Hagerty, but it isn't cheap...
The quote for the other 3 almost didn't change when I removed the e30, but they randomly jumped the quote up by that $1k to meet the old Aviva one.

So I'm moving all my shit minus e30 somewhere else, but it's still wild how much insurance is jumping in the past few years. People can't drive for shit here.

If the Landy or Mini were modified I could run them on Hagerty, but I want to tow with the LR4, which is one of their caveats, and there's no savings from moving the Mini over.

Insurance is a goddamn gong show atm

dude I pay 300 a month for my two bikes here in california loooooooooooooooooool

Without the grom, its way more too, so that basically is paying for itself, I guess.

It's a rip.

[Northern]

Insurance has continued to be a gong show.
Economical decided later on that they didn't like the e30 after all, so it will be with Hagerty, but it isn't cheap...
The quote for the other 3 almost didn't change when I removed the e30, but they randomly jumped the quote up by that $1k to meet the old Aviva one.

So I'm moving all my shit minus e30 somewhere else, but it's still wild how much insurance is jumping in the past few years. People can't drive for shit here.

If the Landy or Mini were modified I could run them on Hagerty, but I want to tow with the LR4, which is one of their caveats, and there's no savings from moving the Mini over.

Insurance is a goddamn gong show atm

[MrBurgundy]

You can drive it where ever you want. Both of my Hagerty cars are in the DD rotation, albeit I work a mile from home, so the miles stay low. If you were putting like 10k plus a year, they might have an issue w that, but your 150 miles a month aint shit.

They mostly care about you having a true commuter and whatever car you have w them to be parked inside. I drive both frequently, but quick jaunts here and there, along w 'fun' drives.

[McGyver]

What kind of rules does Hagerty they have about driving the car? How strict are they about it?

I've the f30 as a daily, which gets parked on the street. I can see myself generally taking the f30 if I were to commute to work. The e30 stays in the garage, but living in a city, it's really convenient to take the e30 to stores around town so I don't have to worry about parking. It's all short trips, probably less than 150 miles a month. Could I take the e30 to the shore or hiking?

[MrBurgundy]

I got a couple cars on Hagerty. They can be picky with what they insure, but I got full coverage on my e30 at 35k for 70 bucks a month, which is fine with me. I think my SL is like 240 a year with them for full coverage at 25k.

Very good customer service. You call and someone answers the phone right away. No stupid automated and transferred 10 times bullshit. Def recommend.

If someone wrecks my e30, I'm def replacing it with 2 e30s.

[Northern]

Appreciate the feedback.
Panici you're 100% correct here.

Unfortunately they would only cover the E30, which doesn't help on the cost front because the volvo and LR4 are the heavy hitters. Broker is switching everything from Aviva to Economical, and it's knocked $1k/year off plus a home insurance discount, and they're happy with the e30. If for some reason they change their mind, at least I have an option.

[Northern]

You need a "daily driver" insured on a separate policy from another company.

Ah that was not something made obvious from the quoting process... I'll be calling them later and we'll see.
I've been served a boatload of ads from them recently about how 'we also insure your daily driver' which is why I bothered checking in the first place.

[2mAn]

Anyone insured with Hagerty?

I've had Hagerty for quite some time now and while the rates have been trickling up for a car that rarely gets driven I find the comfort of knowing that its a stated value with no questions asked I am happy. I currently have the 996 and will be adding the E30 anyday now. Both should end up costing me ~$120/month paid on an annual basis