1. pitdad

    pitdad Enthusiast

    Posts:
    55
    Joined:
    Jul 26, 2015
    I'm a 50+year-old married driver with a clean record and no accidents shopping insurance rates and experienced the following:

    A Liberty Mutual agent told me the Viper is now classified as a "race car" and agents are excluded from selling new policies.

    A Geico agent told me my 2011 Jeep Wrangler is not insurable because it has a winch and occasionally goes off road.

    I didn't realize I was living so dangerously!

    Anyone else experiencing this?
     
  2. pitdad

    pitdad Enthusiast

    Posts:
    55
    Joined:
    Jul 26, 2015
  3. SANCHOBA

    SANCHOBA Enthusiast

    Posts:
    79
    Joined:
    Jul 28, 2014
    Location:
    Magnolia, TX
    I pay $850 a year with grundy....
     
  4. 3whitevipers

    3whitevipers VC Venom Member - Midsouth

    Posts:
    661
    Joined:
    Feb 8, 2011
    Location:
    Sarasota, Fl
    Try American Mutual--I've got 5 cars with them--Dave
     
  5. Mike Red 97 GTS

    Mike Red 97 GTS Viper Owner

    Posts:
    158
    Joined:
    Apr 19, 2004
    Location:
    Ottawa Lake, Michigan, USA
    I have Chubbs Insurance, I have 3 cars & a Motorcycle with them.
     
  6. Mopar Steve

    Mopar Steve Viper Owner

    Posts:
    2,871
    Joined:
    Oct 27, 2000
    Location:
    Newark DE
    I have:

    Porsche 911
    99 Viper GTS
    57 Porsche 356
    06 SRT Ram Viper truck

    All insured with Grundy. I'm 55 and I pay about 1400 per year all with AGREED VALUE POLICY. And unlimited mileage. There is a big difference in insurance policies. normal car insurance will pay you very little in the event of a loss and at the same time cost you significantly more money. This is NOT the right policy for a collector car. Next is "declared value" policy. This will not pay you what your declared amount policy reads in the amount of a loss. (Don't believe me? Check. Don't ask your agent most don't understand the declared V/S agreed value difference ) Finally is the Agreed value policy. This pays the exact amount in the event of a loss.
     
  7. ViperCeeJ

    ViperCeeJ VCA Member

    Posts:
    155
    Joined:
    Dec 11, 2014
    This is very good information, thank you. My 18 year old son has a '67 Pontiac and a '84 cammed out custom truck. You can imagine, our insurance is pretty high being he's only 18. I will have to look into this.
     
  8. johniew398

    johniew398 Enthusiast

    Posts:
    1,260
    Joined:
    Jun 1, 2008
    Location:
    Bentonville, Arkansas
    I pay $800 annually on my 2014 TA through USAA.
     
  9. TalonTSi90

    TalonTSi90 Enthusiast

    Posts:
    612
    Joined:
    Jun 29, 2016
    I switched to them as a bank earlier this year, but havent left State Farm for my car and house since USAA doesnt cover motorcycles yet.
     
  10. Mopar Steve

    Mopar Steve Viper Owner

    Posts:
    2,871
    Joined:
    Oct 27, 2000
    Location:
    Newark DE
    I am amazed at how many people are willing to pay so much more for so much lass coverage. Traditional car insurance for a collector car is just foolish.
     
  11. TalonTSi90

    TalonTSi90 Enthusiast

    Posts:
    612
    Joined:
    Jun 29, 2016
    For the regular owner, I'd agree, but what about those who daily drive theirs? Viper that is, not another car.
     
  12. johniew398

    johniew398 Enthusiast

    Posts:
    1,260
    Joined:
    Jun 1, 2008
    Location:
    Bentonville, Arkansas
    No they don't. We have everything insured through USAA, home and vehicles except our ATV which is insure through Progressive.
     
  13. TalonTSi90

    TalonTSi90 Enthusiast

    Posts:
    612
    Joined:
    Jun 29, 2016
    Ive got my bike through Geico currently, Progressive wanted more than triple what im paying through them and my Insurance "credit score" is impeccable.
     
  14. johniew398

    johniew398 Enthusiast

    Posts:
    1,260
    Joined:
    Jun 1, 2008
    Location:
    Bentonville, Arkansas
    I know a bike is different. I pay $147.00 annually for my ATV which doesn't sound bad to me.
     

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