Here in Northwest Wisconsin, we had an inch of cold rain this morning. Leaves are starting to change in our yard and fall to the ground, I fear it will be an early fall and an even earlier winter. Going to be a long one without my favorite Dodge. Of course, I could do what my wife does, and drive until there is salt on the road. I have seen her Christmas shopping in early December with the top down on her Miata, windows up, heater on full blast...and a smile on her face. Maybe, might go through less withdrawal that way.
Fall is in the air.
- Thread starter Billy007
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M_Body_Coupe
Well-Known Member
LOL...yeah, this year's season kind of sucks for actual "road time" for me as well!
My Hagerty insurance just got renewed, and it only gets more and more expensive each year for what ends up being a smaller and smaller KMs I drive my Coupe each season.
This year I partly attribute that to what seemed like a late & cold summer, and the late install of my 11" drums didn't help matters either.
Oh well, I am certainly going to try as hard as I can to eek out a bit more before the season is up!
My Hagerty insurance just got renewed, and it only gets more and more expensive each year for what ends up being a smaller and smaller KMs I drive my Coupe each season.
This year I partly attribute that to what seemed like a late & cold summer, and the late install of my 11" drums didn't help matters either.
Oh well, I am certainly going to try as hard as I can to eek out a bit more before the season is up!
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Summer was really short this year.
Chat up Grundy for a quote. My insurance hasn't increased in five years. I had Hagerty at first and by the third year cane along they wanted a 40% increase. Screw them.
Chat up Grundy for a quote. My insurance hasn't increased in five years. I had Hagerty at first and by the third year cane along they wanted a 40% increase. Screw them.
M_Body_Coupe
Well-Known Member
Good reminder...alas, I connected with Grundy way back when (before Hagerty)...at that time they were not doing any business in Canada, unfortunately that stayed the same...still US-only!
Mikes5thAve
Well-Known Member
My Hagerty increases haven't been too bad but my charger, 4 door kind, sky rocketed so I need to shop it around .
M_Body_Coupe
Well-Known Member
Mike!
Keep me in the loop on your findings please, and here is why I say this:
1980 Diplomat Coupe, classified as 'Price $25,000 - Modified', so that means I have a guaranteed $25K payout if the vehicle becomes a write-off.
1) Liability
Bodily Injury - $1M, $42 premium
Property Damage - $1M, $4 premium
2) Accident Benefits
$75 premium
3) Direct Compensation - Property Damage, $82 premium w/ $100 Deductible
4) Loss or Damage - ALL PERILS, $456 premium w/ $100 Deductible
YEAH, for a grand total of $667 (+$40 Hagerty fee) for what effectively (given where I live) becomes all of three months of cruising...NOPE, not exactly economical.
These premiums have gone up each and every year:
1) 2024 - $625
2) 2023 - $150 => garage stay only, no road insurance
3) 2022 - $406
4) 2021 - $406
5) 2020 - $370
....you get the drift!
Clearly 'ALL PERILS' is what gets me (cost wise), but previously working through all the other options would produce nearly the same price but with much LESS insurance coverage...so yeah, it only made more sense to pick 'All Perils', which is precisely what the Insurance company wants you to do so they get more $$$ out of your pocket!!! lol
OK, enough belly aching...but this is becoming too much like the final 'nail in the coffin' so to speak...the hobby is already expensive enough when you consider the costs of parts and specialty machining services.
Keep me in the loop on your findings please, and here is why I say this:
1980 Diplomat Coupe, classified as 'Price $25,000 - Modified', so that means I have a guaranteed $25K payout if the vehicle becomes a write-off.
1) Liability
Bodily Injury - $1M, $42 premium
Property Damage - $1M, $4 premium
2) Accident Benefits
$75 premium
3) Direct Compensation - Property Damage, $82 premium w/ $100 Deductible
4) Loss or Damage - ALL PERILS, $456 premium w/ $100 Deductible
YEAH, for a grand total of $667 (+$40 Hagerty fee) for what effectively (given where I live) becomes all of three months of cruising...NOPE, not exactly economical.
These premiums have gone up each and every year:
1) 2024 - $625
2) 2023 - $150 => garage stay only, no road insurance
3) 2022 - $406
4) 2021 - $406
5) 2020 - $370
....you get the drift!
Clearly 'ALL PERILS' is what gets me (cost wise), but previously working through all the other options would produce nearly the same price but with much LESS insurance coverage...so yeah, it only made more sense to pick 'All Perils', which is precisely what the Insurance company wants you to do so they get more $$$ out of your pocket!!! lol
OK, enough belly aching...but this is becoming too much like the final 'nail in the coffin' so to speak...the hobby is already expensive enough when you consider the costs of parts and specialty machining services.
Mikes5thAve
Well-Known Member
Yeah that's a big jump. On the other hand it would be a lot more then that with normal insurance and you probably wouldn't get 25k out of them if it had to be replaced.
I have to double check what mine is but I don't have them valued anywhere near that.
I have to double check what mine is but I don't have them valued anywhere near that.
M_Body_Coupe
Well-Known Member
Mark!
Yeah, I managed to convince them to do so for ONE winter...and holy crap, it literally took some C-suite type to OK that because "...we normally never do this, cars have to be fully insured...", blah blah...never mind that the engine was completely OUT of the car...so freaking rigid!
Yeah, I managed to convince them to do so for ONE winter...and holy crap, it literally took some C-suite type to OK that because "...we normally never do this, cars have to be fully insured...", blah blah...never mind that the engine was completely OUT of the car...so freaking rigid!
