Declared value insurance policy

[MACFJ60]

Shopping around for new insurance since the 100 is no longer my daily. I called Hagerty and they told me they don't cover cars that go offroad, so looks like that's no longer an option?
I saw in another post that USAA covers offroad damage but am unsure of that. I have USAA now, but the rates keep going up and up.
I'd really like a declared value policy as it would cost me quite a bit more than the KBB of a 100 now to get all the mods I've put into mine.

Will also look into Grundy and Safeco.

Please report back what you find out. The 100 series is not my daily and I’m curious the options for stated value. I’m also currently with USAA and will look into the 120% value policy.

 

[Hundo]

Shopping around for new insurance since the 100 is no longer my daily. I called Hagerty and they told me they don't cover cars that go offroad, so looks like that's no longer an option?
I saw in another post that USAA covers offroad damage but am unsure of that. I have USAA now, but the rates keep going up and up.
I'd really like a declared value policy as it would cost me quite a bit more than the KBB of a 100 now to get all the mods I've put into mine.

Will also look into Grundy and Safeco.

I’d used Hagerty for my Jeep with an agreed value for years but this is no longer an option. Just switched to farmers for everything and we no longer have any agreed value policies. I will keep shopping around.

 

[imperium]

Grundy is a dead end. They told me they won't cover the LC because it's not a collectible and they won't insure my other car as well because you need to have at least three cars and I have two.

It looks like agreed upon value isn't really a thing on "newer" cars?

 

[frawstme]

I use American modern. I told them it was worth $30k and that's what they insured it for.

It's $414/year for me, one driver with clean driving history. No additional coverages like windshield or towing.

 

[JJ_SC]

For what it's worth, I have mine insured with Hagerty for a declared value. I have two other cars with them, also declared value. I had to make a claim on one of them and it was easy and fair.

 

[imperium]

I use American modern. I told them it was worth $30k and that's what they insured it for.

It's $414/year for me, one driver with clean driving history. No additional coverages like windshield or towing.

I'll give them a call. I'm currently going through options with AAA and it's looking like Safeco (Liberty Mutual) can insure it for a declared value. Will update once I know for sure.

 

[imperium]

Safeco is out for a declared value policy. I don't think my '04 is able to be considered a "classic" yet which is fair.
Going to give American Modern a call tomorrow but if it doesn't work out with them I'm going to be going to Safeco because their quote is like 40% cheaper than my current USAA rate for the same coverage.

 

[dbleon]

AAA on the daily’s and Grundy on the classic (60). AI really Like AAA so far, good rates and friendly. Home insurance is nice too with a bundle discount

Grundy did 35k on the 60 agreed upon with very Minimal effort. Must be garaged and not a daily 60 is a “weekend cruiser and car shows”… The T100, LX, and escape ( I know ) get AAA

 

[imperium]

Following this up to say I got a policy with Hagerty. $20k valuation and I keep the truck if it's a total loss.

 

[novamarc]

Shopping around for new insurance since the 100 is no longer my daily. I called Hagerty and they told me they don't cover cars that go offroad, so looks like that's no longer an option?
I saw in another post that USAA covers offroad damage but am unsure of that. I have USAA now, but the rates keep going up and up.
I'd really like a declared value policy as it would cost me quite a bit more than the KBB of a 100 now to get all the mods I've put into mine.

Will also look into Grundy and Safeco.

I would HIGHLY suggest not having USAA insure anything like a Landcruiser. I just got royally screwed by their "assessed cash value" settlement offer for my LX570 after 2 months of fighting with them. They push everything onto CCC and throw their hands up when I tried to dispute it, CCC basically refuses to provide answers to legitimate questions and will only speak on a three-way call over the phone with USAA on the line. I don't wish for people to be unemployed, but I wish I could Thanos finger-snap USAA out of existence for being so s***ty and dishonest.

 

[frawstme]

Following this up to say I got a policy with Hagerty. $20k valuation and I keep the truck if it's a total loss.

I put my input here months ago but i compared them against american modern and american modern gave me a $30k policy identical to hagertys for much less money ($414 annually). If I remember correctly Hagerty's quote was in the realm of $900 but they covered it to $28,300 when I tried claiming $30k value. I did a lot of shopping back then and there wasn't anyone that compared to those two companies though, any other declared value policies were aimed towards high value cars and had rediculous premiums