Originally Posted by
copperfieldkid
YES, please see my post 8 & 16 above. I will repost an earlier response also for your viewing as I was in the exact situation with USAA as you describe.
Repost: Don't waste your time with USAA. I had both my cars insured with them. I decided to check rates and place the XFIRE with a classic/collectible company and save money. Contacted USAA, discussed whether they had a company under their umbrella (for obvious reasons - we have 4 other bundled policies with them) that would meet this need. They use American Collectors Insurance. I was transferred over to that division, and after a lengthy discussion was informed the maximum value they would insure a crossfire SRT6 for was $8175. This was with an excellent record, garage, no tickets, accidents, blah blah blah. Absolutely insane ! (FYI, I choose Hagerty)
Here's a link with an excellent overview of the various companies and their restrictions:
https://www.valuepenguin.com/best-cl...-car-insurance
Keep in mind a
guaranteed value is one of the few pricing/value controls an owner has.
I read all your posts but I can't get Hagerty as I'm too close to the shore and I can't get American Collector's because I use my car more than just to and from car shows.
I appreciate the link, I will contact another "classic car" insurance company but it should be one that is decent at least or else it's pointless and the ratings for the other companies besides Hagerty and AM Collectors are less than stellar.
Also, how did you actually get your car insured with Hagerty? They also are very strict on the usage apparently. Besides me living on the water in Florida (they won't write policies within 5 miles of the shore), they said they are also very strict on the usage of the vehicle. I don't know how you use your Crossfire but I like to drive mine whenever I get the chance, even though it isn't my daily driver. I'd check on what their policy contract actually says on usage because the way the agent described to me, it's very limited acceptable usage. That would scare the heck out of me as it's a perfect way of getting out of claims for a company.