Re: [alfa] Collector Car Insurance

["Dean W. Cains" <dwc@xxxxxx>]

Hi Jay:

You didn't mention what model Alfa you were planning to insure with a 
"Collector" company, but be forewarned, it will make a big 
difference.  Several of the companies won't consider a car newer than 25 
years old.  I've got a '74 Spider that was insured by Hagerty Classic for a 
few years.  When I bought an '87 Spider in November 2002, they told me to 
take a hike, with both cars.  Hagerty also mentioned that my listed daily 
driver, a '94 Volvo 850 Turbo with less than 100,000 miles wasn't 
acceptable, as it was too old and unreliable (what?).  Bear in mind that 
the Volvo wasn't insured with Hagerty, but they felt that if the Volvo was 
rendered undriveable, I'd be tempted to drive one of the Alfa's when I'm 
not supposed to.  Didn't seem to matter that I also had 2 other "daily" 
drivers at the house, and I can't guess why they singled out the 
Volvo.  Most companies will also want your car to be in a garage, and never 
driven to work.

So, I shopped around, and American Collectors had the coverages, 
restrictions, and rates that seemed to suit my needs the best.  I've got 
the '74 covered for $9,500 and the '87 covered for $7,000, both with no 
deductibles, and a 2,500 mile annual limit on each.  They realized that 
basically a Spider is a Spider, and since one of them was old enough, they 
agreed to cover both.  I can't say if they would have taken just the 
'87.  My premium is ~$160/year, but I'm sure that varies state-by-state, 
and maybe even within a state.

http://www.americancollectorsins.com/

My agent's name is Erik Smith, and you may want to contact him directly 
with your questions:

<esmith@domain.elided>
(800) 360-2277, x. 220

My best advice would be to shop around.  I think AlfaBill has got his fleet 
of 164's insured with State Farm, which isn't a "collector" company, but 
he's mentioned great rates.  Also, I've never made any claims, with Hagerty 
or American, so I can't speak about those issues.

Regards,

Dean W. Cains
Lutz, FL
'74 & '87 Spider Veloce's

At 08:01 PM 1/15/2004, you wrote:

> Date: Thu, 15 Jan 2004 17:56:40 -0600
> From: "Gratchner, Jay [Non-Employee]" <jgratc01@domain.elided>
> Subject: [alfa] Collector Car Insurance
>
> Alfisti,
>
> Who do you recommend for collector car insurance?
> <snip>
>
> Best regards,
>
> Jay
> Beaverton, OR, US
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