04-23-2013, 12:48 PM
Steve85 Wrote:Never made a claim, but do not let anyone in the house get a ticket driving anything. After having them for a year, they sent me a letter with my ticket (while driving the Integra) and my daughters ticket and dropped me. No raising the rates, just dropped.Kinda sounds like they may be a "one strike and you're out" insurance company. Hmm.
They were notified of the accident when the MB SUV backed on to my hood. That was covered completely by the other party and Hagerty did call a couple times to make sure everything was being covered and to let them know if the other company refuses anything and they'd cover it. The accident was not mentioned in the rejection letter. My conversations with them lead me to believe they will make sure it gets fixed, but my experience tells me you may not be with them much longer if it was in the least bit your fault.
They are diligent about their risk profile and that's reflected in the rates.
I did compare Hagerty to Grundy (same coverages, same agreed value, and $0 deductible) and Grundys premiums were half of what Hagerty wanted. Is Hagerty more expensive because they're the household name when it comes to this type of car insurance or do you get what you pay for (with the service being less than stellar) by going with the much cheaper Grundy?