Reply to "Who Are You Insured By?"

Thanks all to those who suggested insurance companies, they were ALL helpful suggestions!

My best quotes so far for 152K of coverage (126k Pantera & 26k Thunderbird) with 300/300 liability, 300 under or uninsured, 5k mileage each per year, $1000 deductible each, roadside, spare parts, trip interuption, etc., are:

American Collectors - $837 yr.
Condon Skelly - $753 yr.

The main difference between these two is American will pay $250 per occurence x3 for roadside, and Condon will pay $100 each unlimited times. I recently had a car towed 1 mile to my house and it cost me $120, and it wasn't even a flatbed! That $84 difference could get eaten right up on one tow.

I'm waiting on Barrett Jackson (Chartis), and one or two others. American Modern came in at $1129, Grundy came in $1307, and Hagerty came in at a whopping $1600 to up my coverage to those levels.

I'm sure some of you may be thinking, "Why 126k and 26k?" Well, having no deductible increased each qoute by over $400. I figured I would be paying about $6 per thousand (based on the $837 quote), so I asked how much it would cost to increase the coverage of each car by 1k. The total policy increase is $14! (This actually brought them to $837 and $753.) So, if (God forbid) I ever have a total loss, I still get the 125k and 25k values I originally wanted. It essentially builds the deductible into the agreed values. It seems like a no-brainer to me!

Michael