Milewise (an Allstate company) is worth looking into if you drive very little, though we can’t get rate estimates because it requires a device to plug into your car to track mileage. You’re charged a daily rate, plus a per-mile rate, and the company says customers who drive 135 miles or less per week can save 10% or more. The less you drive, the lower your insurance bill, but if you want to take a road trip, don’t worry — you won’t be charged for more than 150 miles per day.
Grundy Insurance has specialized in protecting collector cars since 1947! Specifically designed for collector vehicles, Grundy insurance saves you at least 50% of the cost of regular car insurance while delivering better protection! With Grundy Agreed Value Insurance you get 100% of your car’s value in the event of a total loss. Grundy’s coverage is never reduced – not in 1 year, not in 50 years, not ever – for as long as you maintain your policy!
I had Allstate for over 20 years and it just kept going up. I would contact my agent to see if anything could be saved and they would adjust it slightly each year, but it was over $200 per month and I had a perfect driving record, and my vehicles were getting older and older. Finally I was fed up and got quotes from nearly a dozen insurers and Esurance beat them all, lowering my payments by more than HALF! Now I'm worried, though, since Allstate has now purchased Esurance. Will my rates start to go up and up again? Time will tell.
TRUCK OWNERS BEWARE! I had Ameriprise for almost 20 years until today. They DOUBLED my rates to $750/6 months when I moved, then required I complete a new application as though I was a new customer. Then, because I made a mistake on the form (I'm old, I make mistakes sometimes), they insisted I provide them titles to the vehicles, one I don't have because it's financed, the other I sent them years ago. So they said to send the registrations, which I did. Next day I get an email saying I have to send the titles again. I called and told them I felt I was being harassed. They said fine, the registrations would work. But, that we needed to discuss the issue of me using my truck to pull a horse trailer. I said I wasn't using my truck to pull a horse trailer, I had only called to inquire whether or not they "insure" horse trailers. What then followed was a debate of almost 15 minutes with them repeatedly saying my policy needs to be reviewed and every time I asked for what, they ...more
Like regular car insurance, there are several parts with classic and collector car insurance. Some insurers like J.C. Taylor require your classic car be at least 19 years old, while others like Grundy will insure a car of any age. Availability of discounts should also be a consideration, as Safeco gives you a percent off your premium if you bundle your classic car policy with a regular auto policy. Another underrated feature is an inflation guard, which will increase your protection limits as your car appreciates in value. You can see a full list of each company's benefits below.