Multi-Car Insurance Woes
#31
Drifting
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6 Cars Total
Grundy for my 07 GT3RS. @ $200k Stated Value. $2,200 annually.
With 2 Teenage Drivers we are currently wrestling with this with our AllState Carrier. We had our kids take all the classes to qualify for discounts. .
NO Accidents or Tickets (That have been reported). After Discounts
21 Audi RS6
21 VW GTI
22 Rivian R1T
23 Mazda CX5
24 Audi Q4 Sportback ETron
$10,560/yr. + The Grundy for the RS
I'm on the search because we are getting F'd
Grundy for my 07 GT3RS. @ $200k Stated Value. $2,200 annually.
With 2 Teenage Drivers we are currently wrestling with this with our AllState Carrier. We had our kids take all the classes to qualify for discounts. .
NO Accidents or Tickets (That have been reported). After Discounts
21 Audi RS6
21 VW GTI
22 Rivian R1T
23 Mazda CX5
24 Audi Q4 Sportback ETron
$10,560/yr. + The Grundy for the RS
I'm on the search because we are getting F'd
#32
Rennlist Member
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6 Cars Total
Grundy for my 07 GT3RS. @ $200k Stated Value. $2,200 annually.
With 2 Teenage Drivers we are currently wrestling with this with our AllState Carrier. We had our kids take all the classes to qualify for discounts. .
NO Accidents or Tickets (That have been reported). After Discounts
21 Audi RS6
21 VW GTI
22 Rivian R1T
23 Mazda CX5
24 Audi Q4 Sportback ETron
$10,560/yr. + The Grundy for the RS
I'm on the search because we are getting F'd
Grundy for my 07 GT3RS. @ $200k Stated Value. $2,200 annually.
With 2 Teenage Drivers we are currently wrestling with this with our AllState Carrier. We had our kids take all the classes to qualify for discounts. .
NO Accidents or Tickets (That have been reported). After Discounts
21 Audi RS6
21 VW GTI
22 Rivian R1T
23 Mazda CX5
24 Audi Q4 Sportback ETron
$10,560/yr. + The Grundy for the RS
I'm on the search because we are getting F'd
I run max deductibles on everything because even one accident forces me to move providers with the cars, but then again my kids cant use my stuff yet
![Smilie](https://rennlist.com/forums/images/smilies/smile.gif)
Dont forget if you insure the Porsche under Hagerty to get your 5% discount for PCA, they wont remind you lol.
Last edited by Wonderdan; 12-02-2023 at 03:01 PM.
#33
Drifting
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I went through this exercise last year, ended up putting the RS on Hagerty and everything else on progressive, I was Statefarm 5 years ago, Allstate for 3 years and now Progressive. I used to think I'd put the umbrella, houses, cars, jetskis, boat and trailers on one provider and it will save me something.... not even close, I left the house and Umbrella under Allstate when I moved the cars.
I run max deductibles on everything because even one accident forces me to move providers with the cars, but then again my kids cant use my stuff yet![Smilie](https://rennlist.com/forums/images/smilies/smile.gif)
Dont forget if you insure the Porsche under Hagerty to get your 5% discount for PCA, they wont remind you lol.
I run max deductibles on everything because even one accident forces me to move providers with the cars, but then again my kids cant use my stuff yet
![Smilie](https://rennlist.com/forums/images/smilies/smile.gif)
Dont forget if you insure the Porsche under Hagerty to get your 5% discount for PCA, they wont remind you lol.
#34
Rennlist Member
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Thanks. We are similar to where you were. I have everything under Allstate boat, seadoos, 2 houses, umbrella. I'm going to go through the exercise of separating items for quoting purposes and see where I land. I feel like we are being robbed. I quoted the Porsche under Hagerty but they were 30% more than Grundy.
#35
Rennlist Member
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I called Grundy this AM, they are 15% higher than Hagerty for me w/PCA discount
#36
Burning Brakes
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I also have similar every 3 years or so I swap the policy to someone cheaper, they almost always beat the price if I provide my current bill, at progressive at the moment.
The Porsches are at Hagerty, RS is at $215k with a $10k buy back ryder. So I’m gambling a bit but I assume if I crack it up I get to keep it and could part out the difference or turn it into a track car or something.
It starts to add up quick if you do full market price so I just do whatever I feel like I can live with. I think either my PCA or SCCA gives me a bit of a discount.
The Porsches are at Hagerty, RS is at $215k with a $10k buy back ryder. So I’m gambling a bit but I assume if I crack it up I get to keep it and could part out the difference or turn it into a track car or something.
It starts to add up quick if you do full market price so I just do whatever I feel like I can live with. I think either my PCA or SCCA gives me a bit of a discount.
#37
#38
Burning Brakes
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so you reach this agreement when you agree to the policy? What is the $10K in regards to, then? I ask the 1st question because I thought whether you buy back the car and at what price is a negotiating point after a covered event has occurred but fortunately I've never had to go through that process
#39
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so you reach this agreement when you agree to the policy? What is the $10K in regards to, then? I ask the 1st question because I thought whether you buy back the car and at what price is a negotiating point after a covered event has occurred but fortunately I've never had to go through that process
Not sure about the $10k as I was under the impression it’s a %.
Here’s some info: https://www.hagerty.com/insurance/cl...lvage-coverage
#40
Rennlist Member
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I believe it’s an option on the policy.
Not sure about the $10k as I was under the impression it’s a %.
Here’s some info: https://www.hagerty.com/insurance/cl...lvage-coverage
Not sure about the $10k as I was under the impression it’s a %.
Here’s some info: https://www.hagerty.com/insurance/cl...lvage-coverage
As an alternative they would easily insure it up to $270 if I asked to make up that difference, but that was significantly more expensive.
Last edited by Wonderdan; 12-04-2023 at 08:32 PM.
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ard (12-04-2023)
#41
Rennlist Member
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6 Cars Total
Grundy for my 07 GT3RS. @ $200k Stated Value. $2,200 annually.
With 2 Teenage Drivers we are currently wrestling with this with our AllState Carrier. We had our kids take all the classes to qualify for discounts. .
NO Accidents or Tickets (That have been reported). After Discounts
21 Audi RS6
21 VW GTI
22 Rivian R1T
23 Mazda CX5
24 Audi Q4 Sportback ETron
$10,560/yr. + The Grundy for the RS
I'm on the search because we are getting F'd
Grundy for my 07 GT3RS. @ $200k Stated Value. $2,200 annually.
With 2 Teenage Drivers we are currently wrestling with this with our AllState Carrier. We had our kids take all the classes to qualify for discounts. .
NO Accidents or Tickets (That have been reported). After Discounts
21 Audi RS6
21 VW GTI
22 Rivian R1T
23 Mazda CX5
24 Audi Q4 Sportback ETron
$10,560/yr. + The Grundy for the RS
I'm on the search because we are getting F'd
#42
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Ive got just over 20 cars with Hagerty in 2 states. No mileage restrictions, agreed values, but you have to have a "normal" daily driver also (no issue for us).
One note on Grundy, at least as of 2 years ago, they use a 3rd party for the claim process. My father had a ZERO fault accident, and he had a lot of trouble collecting. He switched his fleet to Hagerty because of it.
One note on Grundy, at least as of 2 years ago, they use a 3rd party for the claim process. My father had a ZERO fault accident, and he had a lot of trouble collecting. He switched his fleet to Hagerty because of it.
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BartN (TX) (12-07-2023)