- GP035
- Feb 15, 2005
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It's Clutch Time!
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I got a really nice 2 car discount with my current insurance -- basically the 2nd car would be $100/6mon (I dunno why I keep using the pay period instead of per year).
That said, I wouldn't get the discount if I split between normal insurance and Hagerty.
Let's say a beater would cost 3000 a year for amortized cost, insurance, maintenance, gas, etc. I need to get $3000/year or better with Hagerty to make it worth it. I think that's possible. Though I only have the 1 indoor parking spot, and street parking is a huge drag, even if I only have to move the car once or twice a month for street cleaning.
Just called Amica, and I'm down to 1200/yr for the same coverage. So definitely switching.
Last I checked with Hagerty, the daily driver had to be less than 10 years old. That limits your beater options.
Grundy is another collector insurance I looked into. IIRC, they didn't seem to have as many restrictions on daily driver/mileage/etc as Hagerty did.
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Sep 26, 2015 03:28
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