Join Date: Mar 2003
Location: Washington State
Collector Car Insurance
Thought I'd pass on a GOOD car insurance experience. I've had MetLife collector car coverage on my GTV for about 20 years, through Condon & Skelly, a big east coast agent for MetLife. They keep east coast hours, do not use e-mail, and have no telephone voice mail. In other words, they don't make it easy to communicate. Still, the price was right.
We were gone for a month and during that time my coverage lapsed. I called and asked to pay by phone. They can't do it. I asked if I was still covered if I put a check in the mail immediately and couldn't get a straight answer.
Frustrated, I decided to check out Hagerty Collector Car Insurance. It took about five minutes to get a telephone quote, pay with a credit card, and get a temporary insurance binder. Now that's what I call service!
Goodbye MetLife, hello Hagerty.
There's no point sharing the premium I paid, your cost will depend on the value you place on your car and the insurance limits you choose.
Just know that collector car coverage is generally a fraction of the cost of regular auto insurance. Another key benefit of collector car insurance is the ability to select a value that's appropriate for your car. With regular insurance, value is determined by the insurance company, not you. They generally do not take into account what you've done to the car, so you stand to lose big time if the car is in an accident.
I also like knowing that Hagerty doesn't strictly limit annual mileage, as some collector car insurance companies do. They don't cover daily drivers and work vehicles, but none of the collector car companies do.