Hagertys Declined insuring my MR2

I ended up finding an agent who got my a rate of $164 every 6 months through progressive.

kb58 wrote:

mad_machine wrote: wow.. you guys get cheap insurance. My Disco costs me $145 a month.. and I am 45 with no accidents or tickets in 10 years

It's all about where you live.

And if you're married or single, or if you're a homeowner or a renter.

Keith Tanner wrote: Shouldn't that be a question for your insurance company?

I'll follow that with: Is there a reason it should NOT be asked here?

I think a large number of people have so little faith in the transparency or methodology of their insurance companies that they'd rather ask someone who doesn't stand to make anything off them even if it does mean asking a favor of someone who has no real stake in you.

Well, your insurance company is the only source for an actual correct answer. It doesn't matter what a bunch of internet guys say about the effects of modifications on your liability insurance. What matters is what's actually spelled out in the policy. It's not a matter of transparency, it's a matter of "so, am I still still covered despite the modifications?"

Keith is right, and it comes back to my wife's advice in the Focus article. Find a local agent. That way you aren't picking up the phone and talking to a call center. You have a single point of contact for all of your needs and you can build a relationship. Insurance is a personal service and it needs to be tailored for your situation. It's an item where the phone is better than the internet. There are plenty of insurance agents who are car enthusiasts. My wife loves when clients call to talk about cars and what they are buying, selling, or doing to them.

Ok, how car insurance in general works vs how my currently existing insurance policy works.

Any other lines of discussion we should rule out on the internet?

It's not that it shouldn't be discussed on the internet, it's that a bunch of random people will not give you the correct answer. Unless you're looking for an answer you like instead of the actual answer, in which case I'm sure you'll find it.

There's not really such a thing as "insurance in general" unless you're going to stick to one of the big name brand companies and do all your shopping via web forms.

My insurance agent's name is Connie. She's independent. She's managed to find insurance for a salvage title M5, for a V8-powered Miata race car and deal with the slightly unusual umbrella policy required by my wife's work. And at the same time, she's saved me a boatload of cash over the insurance companies that buy Super Bowl ads.

Well the issue is whenever I have tried talking to any local agent, unless you call the Haggerty call center local as they are based in Michigan, is you can hear their eye's rolling and see the visions of fast and furious in their heads as soon as you mention modifications. That leads to refusal to quote, a stupidly high quote or a suggestion I don't ask that for fear the underwrites will drop me. The internet seems positively accurate and safe in comparison, especially when the internet in this case means GRM with people who know this E36 M3.

Keith Tanner wrote: It's not that it shouldn't be discussed on the internet, it's that a bunch of random people will not give you the correct answer. Unless you're looking for an answer you like instead of the actual answer, in which case I'm sure you'll find it.

In my experience, the only people that know less about insurance than enthusiasts on forums is insurance agents.

Zomby Woof wrote:

Keith Tanner wrote: It's not that it shouldn't be discussed on the internet, it's that a bunch of random people will not give you the correct answer. Unless you're looking for an answer you like instead of the actual answer, in which case I'm sure you'll find it.

In my experience, the only people that know less about insurance than enthusiasts on forums is insurance agents.

Then you're talking to the wrong ones. I'm talking about an independent agent, not whoever's answering the phone at 1-800-CUT-RATE. Insurance is what they DO, and they're on the side of their customers. Heck, you've had input from one in this thread and it's been the best info here. Want to know where to find one? Hint, let your fingers do the walking.

Or you can pretend that enthusiasts who keep telling each other things they remember reading once are experts.

That's what I keep telling my buddies. We've been with the same SF agent for 27 years, and never had a single problem insuring any of our vehicles, race or otherwise. Last month I was told (on a local dual sport forum) by a SF agent that they do not insure off road motorcycles. That was backed up by a number of riders that were also told the same thing by different agents. I renewed both of mine a week later, including an off road insured, blue plated bike, something he said was impossible. This is a VERY regular occurrence.

Keith Tanner wrote: Shouldn't that be a question for your insurance company?

I would have probably said that a different way:

"If it were me, I would ask that question directly to my insurance company."

One more thing: A great agent is a great thing. And they need to be great, because if they mistranslate the insurance company's requirements, the insurance company's version still rules the day at claim time.