No mileage restrictions, but they do tell you where you can drive your car to right? Only for "pleasure" rides?
That was a very ignorant statement about sticking with "real insurance". All you have to do is get a sample copy of the contract and read through the exclusions. If there is an absolute exclusion regarding going to Burger King, then yes, don't buy the policy. Every insurance company has huge legal teams and if the claim is suspicious (or catastrophic) better believe they are going to make sure you dotted all of your i's and crossed all of your t's.
Maybe if you read the other forum I mentioned you would not be so ignorant in your accusations. I am simply repeating what others have told me. I am going to take the high road unlike you. All I am saying IMO is I would rather have unrestricted insurance where I can drive the car anywhere, even if it is a higher premium, than worry if Heacock is going to cover me because I wrecked on my way to the Burger King car show. I am just trying to convey to others to be wary of the ones that define conditions as to where you can drive the car too. In a friendly manner, not in a hostile manner like you make my statement out to be.
Sorry. Wasn't trying to come across like a dick if that is how you read it. I am trying to help people understand this all as there is a lot of misinformation being spread around. Maybe you don't mind over paying for insurance but someone else who actually wants to pay a fair premium and sees your comments about these other carriers who offer very nice policies, may be swayed not to even check it out because of the misinformation going around. Being with Grundy, Hagerty, Chubb, etc... yes, you are absolutely right, you can not drive it to work for commuting. You can't use it as a replacement vehicle if your daily driver breaks down, etc etc. There are rules, but it seems like a fair % of the people buying this vehicle truly will use it as a weekend car and have other vehicles to drive to work with. Maybe they want to save the $1000/6 months and get a policy that has no deductibles on it for their brand new toy and are willing to stay within the guidelines of the policy. You are absolutely correct that some carriers have ridiculous guidelines, but that can really be any insurance company no matter who it is, and don't count on the person on the other end of the phone to tell you about all the important items you should be aware of, you need to do that yourself or work with someone you know and trust will look out for your best interest. For example, this isn't listed on your quote but is an available coverage with some carriers: You let your friend drive you car, you may have permissive use, you may not, if not, no coverage if they screw up and it is your liability. Not only that, but even if you have permissive use and you have high liability limits, the policy might contain a provision that reduces your liability limit to the state minimum while someone is operating your vehicle under permissive use.
One of the reasons why it is cheaper is they say it is for pleasure driving to car events, shows...etc. Here is a link to an interersting article from a guy that did a little research. http://www.acarplace.com/cars/insurance.html They talk about the "prudent man rule" No grocery getter or running errands for sure. The one that got me is the overnight stay restriction. It can't be used in place of the family vacation car, however would be covered if traveling overnight to a car event. I drove my Boss out to Vegas for the 50th Anniv event. I didn't have a claim, but I question now whether they would have paid if I did.
This is taking a shot at me, but the test to get your insurance license is a joke lol. It is a somewhat difficult test, but it's one of those tests where you study specific information just to pass the test and then never use it again.
What does your wife think about the collector car policies?
I'm sorry. I did not mean it that way. Someone blasted someone saying calling an 800# insurance company and getting a generic quote is a joke. It was not me, but it was in this thread. However, I just wanted to point out my Geico quote came from an individual, not just some random person I happened to get on the phone. No disrespect at all. Sorry.
Haha man, no worries! No offense was taken. I just know the hold music for a lot of those places say "a licensed insurance professional will be with you shortly"... it's like they are conveying the idea that being licensed makes them knowledgeable about insurance in the real word but all it means is they studied a book to pass a test.
Thanks! Grundy is the one company I have yet to call, but definitely will once I get myself a VIN
