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Old 03-14-2024, 02:09 PM   #1
Stephen W.
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Insurance BS...

Oh great, more BS to deal with. I have a quote from Hagerty for my Caterham and it’s about what I was paying for my BRZ. The Subaru is gone now so the wife called to have it removed from the policy. I asked her to inquire as to, how much to put the Caterham on?

Well, first thing was she went from paying just over $1000 per year for her 2024 Crosstrek to over $1800 per year. Why? It seems that she has not been off work long enough to be able to claim “Retired Discount” which she was getting with me. Plus, we lost the “two car discount”, the “two line discount” and I now have to be listed as a second driver on her car. (Like I wasn’t allowed to drive her vehicle or she mine before? And what about her getting my retired discount, WTF??)

She argued like a lawyer but got nowhere. So she dropped that and went on to add the Caterham as a sunny day, low yearly mileage, fun machine. We will have to get it appraised but for the sake of this quote we went with $60,000. The agent comes back with $1700 per year, both vehicles. WHAT’S WRONG WITH THIS PICTURE PEOPLE? We will pay less for two vehicles than for just one! The wife is going to start calling around tomorrow to get other quotes. She's just too upset to do it today!

Meanwhile, I have to find a reasonably priced appraiser who knows Caterhams. Plus, my car is still in Utah! ACK!
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Old 03-15-2024, 10:53 AM   #2
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Bidenomics
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Old 03-15-2024, 12:54 PM   #3
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Bidenomics
WRONG!
First of all, I’m Canadian.
Secondly, this has nothing to do with the Biden administration. Rather it’s plain old corporate greed as simple as that. And we all know whose purview lying, cheating and stealing all to gain power and money is, RIGHT? That orange haired, slack jawed, can’t get the words out correctly or remember names, sack-o-shite, diarrhea spewing, twice-impeached, civilly liable for sexual assault, has to raid his campaign funds to pay his depts and at last count facing 91 felony charges, X (OK, former) President.
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Old 03-15-2024, 04:16 PM   #4
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Quote:
Originally Posted by Teseo View Post
Bidenomics
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Originally Posted by Stephen W. View Post
WRONG!
First of all, I’m Canadian.
Best to keep your political views off the car board.
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Old 03-15-2024, 09:38 PM   #5
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Quote:
Originally Posted by Stephen W. View Post
Oh great, more BS to deal with. I have a quote from Hagerty for my Caterham and it’s about what I was paying for my BRZ. The Subaru is gone now so the wife called to have it removed from the policy. I asked her to inquire as to, how much to put the Caterham on?

Well, first thing was she went from paying just over $1000 per year for her 2024 Crosstrek to over $1800 per year. Why? It seems that she has not been off work long enough to be able to claim “Retired Discount” which she was getting with me. Plus, we lost the “two car discount”, the “two line discount” and I now have to be listed as a second driver on her car. (Like I wasn’t allowed to drive her vehicle or she mine before? And what about her getting my retired discount, WTF??)

She argued like a lawyer but got nowhere. So she dropped that and went on to add the Caterham as a sunny day, low yearly mileage, fun machine. We will have to get it appraised but for the sake of this quote we went with $60,000. The agent comes back with $1700 per year, both vehicles. WHAT’S WRONG WITH THIS PICTURE PEOPLE? We will pay less for two vehicles than for just one! The wife is going to start calling around tomorrow to get other quotes. She's just too upset to do it today!

Meanwhile, I have to find a reasonably priced appraiser who knows Caterhams. Plus, my car is still in Utah! ACK!

insurance is just screwy. sort of like gas prices. they know we have no choice...

i just went through a battery of quotes after my car insurance kept rising to $2600/year for 2 vehicles. no accidents, no claims, no tickets in the last 7 years. it just kept going up, up, and away... i'll be saving almost $1400 switching.

but then, i'm switching home owners insurance at the same time, which is a $300/yr increase, but my car insurance renews every 6 months, where my homeowners renews/adjusts annually. so i'm expecting that to significantly increase if i stayed with what i had.
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Old 03-15-2024, 10:39 PM   #6
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It's like these companies are after profits, not actually caring for people in a bind...
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Old 03-15-2024, 11:13 PM   #7
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Originally Posted by soundman98 View Post

i just went through a battery of quotes after my car insurance kept rising to $2600/year for 2 vehicles.
Holy crap. I am like 1300/yr 3 vehicles all full coverage.
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Old 03-15-2024, 11:46 PM   #8
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Holy crap. I am like 1300/yr 3 vehicles all full coverage.
What's your insurance company - sign me up! -
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Old 03-16-2024, 04:09 AM   #9
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I pay about $2800/yr for 5 cars and 3 drivers age 60, 57, and 22. All full coverage.


Insurance is the dumbest bet ever. You bet x amount of money you will get in an accident, then you try like hell to lose the bet.
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Old 03-16-2024, 12:23 PM   #10
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What's your insurance company - sign me up! -
It’s just progressive. I’m like 650 every 6 months. My area is not very populated so that probably helps a lot.
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Old 03-16-2024, 05:55 PM   #11
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It’s just progressive. I’m like 650 every 6 months. My area is not very populated so that probably helps a lot.
Ahhhhhh.........OK -
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Old 03-16-2024, 09:15 PM   #12
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Ahhhhhh.........OK -
At least you can see the pad wear on that BReeZe without pulling the wheels off.


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Old 04-04-2024, 12:22 PM   #13
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Insurance update.
The wife called our insurance company to add the Caterham and low and behold after 2 ˝ hours and talking to three different people it seems that, QUOTE: “We do not insure that type of vehicle”. Furthermore, they all claimed that there was no record of my wife getting a quote for a Caterham. She asked to speak to a manager but was repeatedly declined. The best they would do was to ask a manager to look into the recording and we’d have to call back in 3 to 4 days. Plus, still no joy with lowering her rates.
I went ahead and insured the Caterham with Hagerty.
Well, this morning a manager called us. Turns out that they had asked the wife if Caterhams had been distributed in Canada? She asked, do you mean are they available for sale? Then said yes. What they actually meant was, were Caterhams imported and sold as new vehicles in Canada? We never did get an answer as to why that wasn’t explained or why a 30+ year old used Caterham imported into Canada from the US wasn’t insurable as a special interest vehicle?
So while the wife had this person on the phone she pressed for answers about her insurance. This person talked so much bull I couldn’t keep up. It seems that the wife had had a decreasing deductible on her last three vehicles and that transferred over to her new Crosstreck. However, it appears that the rates for that had gone up plus it was to reset each time she bought a new car. Bottom line is, the only way she can get a lower rate is to write a new policy and according to this person the lowest deductible she can get is $750 and not the decreasing type. After much discussion she did get my name taken off the policy as I now own a vehicle that is insured. That saved her a whopping $120!
In the mean time she had been phoning around to every insurance company we could think of. The best deals of course came with us transferring out house insurance too. BUT! So far none will take our house as it has forced air OIL heat. Some won’t even look at us because our house has actual wood burning fireplaces. WTF???
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Old 04-29-2024, 12:52 PM   #14
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Insurance can be such a headache. It's crazy how adding a second vehicle can sometimes end up saving you money.
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