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  #16 (permalink)  
Old 02-17-2004, 06:55 AM
galaxieguy3's Avatar
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Gotta throw my worthless 2 cents in here. I have insurance through Great American via Midwest Classic Insurance. They insured my unfinished car. Driving restrictions were good... Not to work or school. They have fairly expensive rates though. You can get up to 6k miles, as I recall.
Grundy had one of the most inexpensive rates and unlimited mileage. After my car is painted I will be insuring with them. They will not insure a car under 90% finished, however. Driving restrictions I think were good. You are not supposed to drive it to work or school, other than that, pretty much everything else was acceptable.
Hagertys rates were also quite inexpensive, but their driving limitations suck. Their insurance is for "Trailer Queens" or for vehicles that never see the light of day. Your allowed almost enough miles to drive it up and down your driveway twice. Personally I like to drive my car, so Hagerty is out of the question for me. They were also the most strict about what you do with it.
Best thing to do is call and ask about the specifics because there appears to be vast differences between companies, but from experience, my recommendation would be Grundy.

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Old 02-18-2004, 05:55 PM
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You might want to email Grundy and ask more specifically for their definition of "pleasure driving" and associated limitations. Tell them exactly how you intend to use your rod and see if it's covered. My understanding from talking with them is that pleasure driving can not coincide with any other everyday activity such as going out to eat at a restaurant, picking up some groceries, stopping at the hardware store, dropping your kids at the dentist, or running any other sort of errand. Can't even drive it to church they told me. Yes, you can cruise all you want...but you can't do anything else during your cruise. So just make sure that the actual type of driving you intend to do fits within their limitations.

Grundy IS about $200 a year less than Sneed - but Sneed has a much more lenient policy on use of the vehicle (everything you want except racing and driving to work - they say so in writing). For me the extra $200 was well worth it so that I can feel totally comfortable running errands or any other sort of driving that I want.

I think it all comes down to personal preference, how you drive your rod, and knowing exactly what your carrier does and does not allow. Interestingly, the price of the insurance does not always coincide with the freedom of usage. I researched a number of companies that had higher rates than Sneed but had much more restrictive use policies. So you really have to read the fine print and if the policy isn't clear you need to ask - otherwise you might find yourself thinking you are covered when someone crumples a fender in the parking lot of the grocery story - only to find out that was a disallowed use and you have no coverage.
Always learning...and sharing what I've learned.
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