[DeTomaso] Insurance Coverage Limits

Mike Drew MikeLDrew at aol.com
Fri May 1 16:44:07 EDT 2015 

Just got my new bill. $170k in coverage (spread across three cars) is $1180 per year, from Heacock. 

YMMV....

Mike

Sent from my iPhone

On May 1, 2015, at 12:26, Dave <dave at damardirect.com> wrote:

> I second the Zip Code, marital status, as well as credit rating and driving record.
> 
> Most importantly, God bless the fine people at Heacock!
> IndyDave
> 
> -----Original Message-----
> From: Mike Drew [mailto:MikeLDrew at aol.com] 
> Sent: Thursday, April 30, 2015 4:41 PM
> To: marshall smith
> Cc: detomaso at poca.com; Forest Goodhart
> Subject: Re: [DeTomaso] Insurance Coverage Limits
> 
> Don't forget your Zip code and marital status both play big roles. Kids in the house probably hurts as well. 
> 
> Just updated my Pantera to $75k, GT350 clone to $45k and Cobra replica to $50k. Will find out new rate tomorrow.  This from Heacock (formerly Parish) through Great American. 
> 
> Btw a few weeks ago I got a notice from them telling me they had done an audit and determined they had overcharged me, and they gave me a $2400 refund!!!!
> 
> Mike
> 
> Sent from my iPhone
> 
> On Apr 30, 2015, at 13:30, marshall smith <marshallgsmith at sbcglobal.net> wrote:
> 
>> FYI on the cost of insurance with Hagerty. These figures are for no points, 501 to 2500 miles, garage kept, zero deductible and multi-car discount:
>> 
>> $40,000 value    $225.00/year
>> $50,000 value    $282.00/year
>> $70,000 value    $395.00/year
>> $85,000 value    $479.00/year
>> 
>> Marshall
>> 
>> 
>> --------------------------------------------
>> On Thu, 4/30/15, Forest Goodhart <forestg at att.net> wrote:
>> 
>> Subject: Re: [DeTomaso] Insurance Coverage Limits
>> To: "Jordan Klein" <ohjordan at hotmail.com>, "detomaso at poca.com" 
>> <detomaso at poca.com>
>> Date: Thursday, April 30, 2015, 11:59 AM
>> 
>>   In
>> California the mileage per year has a big affect on premium costs.
>> 
>>   __________________________________________________________________
>> 
>>   From: Jordan
>> Klein <ohjordan at hotmail.com>
>>   To: detomaso at poca.com
>>   Sent: Thursday, April 30, 2015
>> 11:47 AM
>>   Subject: Re:
>> [DeTomaso] Insurance Coverage Limits
>> 
>>   Wow,
>>     I'd
>> like to know more how one obtains a Hagerty $85k guaranteed value
>>     California policy for
>> $320/year?
>>     I've been w
>> Hagerty for 15+ years, 45 years driving experiance, no
>>     claims, no tickets, just got
>> my renewal notice for a $50k agreed
>>   value
>> 
>>   100/300k California policy for $610.  My car is a low mileage
>>     original,
>> Calif. garage stored, & hasn't gone 1000 miles in the last
>>   10
>> 
>>   years.
>>     When I
>> hear others are getting more insurance for ~ half and we live
>>     <100 miles apart; I
>> feel like I'm getting screwed & Hagerty just
>>   makes
>> 
>>   up premiums to whatever they think the "market will bear".
>> 
>>   Now I think I need to go insurance
>> shopping!
>>     Jordan 7314
>>     From: [1]terry.himes at jpl.nasa.gov
>>     To: [2]MikeLDrew at aol.com;
>> [3]detomaso at poca.com
>>     Date: Thu, 30 Apr 2015
>> 17:39:22 +0000
>>     Subject: Re:
>> [DeTomaso] Insurance Coverage Limits
>>   I agree.  I am paying Haggerty
>> $320. a year for $85k value.  A good
>>   deal to pr
>>   otect the
>>   value of the car.  Besides, Ins
>> Co's pay big $money$ to lobby state
>>   legislatures
>>   to require
>>   liability insurance in almost
>> every state.  So, in California, you must
>>   carry s
>>   ome insurance
>>   to register your vehicle.  Even
>> if you are a 1%'er.  ;-)
>>   "Sometimes I think the
>> surest signs that intelligent life
>> 
>>   exists elsewhere in the universe is that none of it has tried
>>     to contact
>> us!"
>>   Terry W. Himes
>> [cid:50258F42-0C4B-44EC-AC91-78B9D5FE75B1]
>>   JPL Jet Propulsion Laboratory
>>   InSight Sequence Team Lead
>>   Rosetta/MEX Sequence Team Lead
>>   Phone: (818) 393-6261
>>   Cell:    (818) 653-8213
>>   Fax:    (818) 393-3147
>>   [4]thimes at jpl.nasa.gov<mailto:[5]thimes at jpl.nasa.gov>
>>   &#x1f1fa;&#x1f1f8;
>>   From: Mike Drew via DeTomaso
>>   <[6]detomaso at poca.com<mailto:[7]detomaso at poca.com>>
>>   Reply-To: "[8]MikeLDrew at aol.com<mailto:[9]MikeLDrew at aol.com>"
>>   <[10]MikeLDrew at aol.com<mailt
>>   o:[11]MikeLDrew at aol.com>>
>>   Date: Thursday, April 30, 2015
>> 10:22 AM
>>   To: "[12]detomaso at poca.com<mailto:[13]detomaso at poca.com>"
>>   <[14]detomaso at poca.com<mailto:deto
>>   [15]maso at poca.com>>
>>   Subject: Re: [DeTomaso] Insurance
>> Coverage Limits
>>   All,
>>   Another thought--one long-term
>> risk of under-insuring your car is that
>>   the
>>   threshold for it being considered
>> a total loss is that much lower.  For
>>   instance, if you only have your
>> Pantera insured for $25K, even a minor
>>   fender-bender that is easily
>> repaired could cause the insurance company
>>   to total
>>   the
>>   car out.  You always have the
>> option of buying the wreck and then using
>>   the money to fix it, but then the
>> car is forever tainted with a salvage
>>   title.
>>   Mike (calling today to raise his
>> limits--it's been more than a year and
>>   values have once again
>> outdistanced my coverage....)
>> 
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>> References
>> 
>>   1. mailto:terry.himes at jpl.nasa.gov
>>   2. mailto:MikeLDrew at aol.com
>>   3. mailto:detomaso at poca.com
>>   4. mailto:thimes at jpl.nasa.gov
>>   5. mailto:thimes at jpl.nasa.gov
>>   6. mailto:detomaso at poca.com
>>   7. mailto:detomaso at poca.com
>>   8. mailto:MikeLDrew at aol.com
>>   9. mailto:MikeLDrew at aol.com
>>  10. mailto:MikeLDrew at aol.com
>>  11. mailto:MikeLDrew at aol.com
>>  12. mailto:detomaso at poca.com
>>  13. mailto:detomaso at poca.com
>>  14. mailto:detomaso at poca.com
>>  15. mailto:maso at poca.com
>>  16. mailto:DeTomaso at poca.com
>>  17. http://poca.com/mailman/listinfo/detomaso_poca.com
>>  18. mailto:DeTomaso at poca.com
>>  19. http://poca.com/mailman/listinfo/detomaso_poca.com
>> 
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