I have a regular mainstream policy. Yet insure 4 cars (3 Porsches & 1 Volvo) and only 2 drivers. We are both over 60 years old. I also need to correct that our policies have a $1000 deductible for Collision/Comprehensive.
www.grundy.com
Did you call them? I tried to find an Emira on their online quote and couldn't find it.
I put it in as a custom entry for a 2024 Lotus Emira V6 FE. Maybe these are default values and it would come back with something else once they really look at it, but I sort of doubt it. The replaceable panels on the Emira should make it quite a bit less expensive to repair compared to the clamshell cars.
One other question. Will cars delivered in 2024 be 2024 or 2025 cars?
Short answer… it depends. They would be able to deliver production year 2025 cars however seeing the track record of Lotus this far, I can’t see that happening. Therefore I would anticipate that they would all be 2024.
Could it be too soon (August) for stipulating a 2024 MY in 2023; best to wait for September or October when car industry typically releases an upcoming MY?
A number of car companies introduce the following model year midway through the current year. Subaru, for example, used to flip over in about May.
Progressive gave me $125 a month on an Evora GT at $109.
I am going with Hagerty as well. I got much lower qoutes than I currently pay. Didn't even know they existed until I read on this forum. Makes sense though, they understand weekend/collectible cars and how we treat them.
Be careful with Hagerty, as they have MANY stipulations, and any driving persons in the same household must have access to their own daily driver, or you must file an exclusion form barring those without from having authorization to drive the vehicle. Not to drive to work. Not to drive on errands. Not to drive to school. Not to Daily. 3k mile per year limit (extendable to 4k for a higher premium). Too much bullshit with them, and if they’re that strict now, how generous will they be when it’s time for them to pay up?? I told them to kick rocks, and I gladly pay more without fear of going over miles, or god forbid letting someone of MY chosing drive and enjoy my car once in a while. Allowing 3k per year!! Laughable as that lets you drive 60 miles per week!!
Yea, weekend car my ass. All day every day. What good is having it if some jag off behind a desk can tell you what to do with it. Tell them what to do with their policy exclusions.
I used to use Hagerty. As others have said they do have a lot of restrictions and because of it, you need to keep everything well documented of when mileage took place. I eventually changed and went with Grundy that is in the same business as Hagerty, but has a lower cost and less restrictions. They are able to keep costs down because they just don't advertise as insanely as Hagerty does.
yeah, I'm going with Grundy.
I too have USAA and last time I got estimate it was $65/mo but I do have many vehicles, house, no claims, clean record, etc etc etc. Way too many factors to compare but am happy with that amount
I think the new part is key. I’m sure they have a formula and what to start basing it on but it’s still a crap shoot on repair costs so some are going to be higher just because they don’t have data on a new car.
Mainstream car insurance policies are designed for the pattern of use that you're describing. There's no reason to do a collector car policy on a vehicle that you're going to daily drive, it doesn't make sense for any of the parties and doesn't match the risk profile that collector car policies are designed around.
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