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Author Topic:   Prowler Appraisal
Kevin A


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From:Gahanna, Ohio
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posted 01-09-2005 11:06 AM     Click Here to See the Profile for Kevin A     send a private message to Kevin A   Edit/Delete Message   Reply w/Quote   Search for more posts by Kevin A
quote:
Originally posted by 2K1Orange:
I wasnt fond of the fact that I could only put 3k miles a year on my car. Also have heard that if you take the Kat out just for a quick errand, and not to a show. They might give you trouble with the claim.


Yes, this is why I went with AllState and not Hagerty. I asked the same questions a year ago when I bought my Kat. Basically Hagerty only wants to insure cars that see infrequent "parade duty" and car shows. I like taking my kids to school, running to the store, etc. If I had a claim with Hagerty doing any of these the claim would be denied. If you go with Hagerty (they seem like great people to work with) and have a claim, choose your words very carefully when talking to them.

Ray
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posted 01-09-2005 11:49 AM           send a private message to Kevin A   Edit/Delete Message   Reply w/Quote   Search for more posts by Ray
quote:
Originally posted by Orange:

It's great that they cater to car enthusiasts, but the real question is whether they pay up easily and fairly in case you really need them to take care of you.

THAT would be my concern as well ... like a rock to the windshield or something ... State Farm is one call and done. But would HATE to have the hassel with them IF they car was totaled or stolen (not very likely when the Camary is or was the #1 most stolen!)?

ed monahan





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posted 01-09-2005 01:11 PM     Click Here to See the Profile for ed monahan     send a private message to ed monahan   Edit/Delete Message   Reply w/Quote   Search for more posts by ed monahan
The cars that are the most frequently stolen are stolen for parts. There are a ton of Camrys, Hondas etc and that is why they are stolen. The repair parts are sky high and chop shops need parts to sell tod auto body shops. Firebirds and Camaros were also high on the stolen vehicle list. Prowlers are probably never going to be high on the list due to the limited number. If they are wrecked even semi seriously, they are totalled due to the frame being bent. Therefore there is not a high demand for parts eventhough parts are sky high in cost.
Or maybe not.
Orange
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posted 01-09-2005 01:53 PM           send a private message to ed monahan   Edit/Delete Message   Reply w/Quote   Search for more posts by Orange
True. If prowler parts start showing up for sale, it could easily be traced back to a stolen kat. Nobody in their right mind would steal a kat to part it out.

In other words, you get your prowler stolen.... it's GONE. You could safely assume that if someone takes off with your prowler, it's on a ship within an hour heading to South America or Asia and won't be found.

JKrehel




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posted 01-09-2005 02:21 PM     Click Here to See the Profile for JKrehel     send a private message to JKrehel   Edit/Delete Message   Reply w/Quote   Search for more posts by JKrehel
If you look at Grundy's website you'll se that they will insure for an agreed amount that you specify and the mileage is unlimited but it can't be your only car. They have a quote on line form and a FAQ section with a lot of explanations.
http://www.grundy.com/grundy_car_insurance.html
cnote6





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posted 01-09-2005 05:29 PM     Click Here to See the Profile for cnote6     send a private message to cnote6   Edit/Delete Message   Reply w/Quote   Search for more posts by cnote6
Prowler Insurance
http://www.StupidVideos.com/?VideoID=831
idive


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posted 01-09-2005 07:20 PM     Click Here to See the Profile for idive     send a private message to idive   Edit/Delete Message   Reply w/Quote   Search for more posts by idive
I was shopping around for insurance on the car about a year ago. Hagerty gave me a quote for an agreed value on my 97 of $150K. This didn't include any aftermarket mods. I never mentioned those. Premiums were, however, $2K/year. No appraisal needed, just send them 4 pics (and my written statement from DC mine is #156 of 457 made in 97). I think it had 3000 or 3500 mileage limit. I currently have State Farm and hope to change over to Grundy later this year. Will be getting their quote. As for doubling your premium after an at fault accident, as was stated previously, a wreck in the Prowler will be a total. Insurance can't raise your rates until renewal. If they double at that time, change to another company. You won't have a Prowler to insure anymore.
Before going to Hagerty, I had another agreed value quote. Forgot who it was thru, but premiums were also high there. If anyone is interested, I still have those quotes and can post them, but I've basically already stated their content. FYI, State Farm started out charging me premiums based on my purchase price, since they were never in their books to quote. After the 99's came out, they had the 99 in their books and "based their premiums on those" but my premiums didn't change, even tho depreciation value, combined with a MUCH cheaper purchase price, cut car value in half based on what State Farm would pay me if the car were totaled or stolen.

This message has been edited by idive on 01-09-2005 at 07:29 PM

ALLEY CAT





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posted 01-09-2005 08:42 PM     Click Here to See the Profile for ALLEY CAT     send a private message to ALLEY CAT   Edit/Delete Message   Reply w/Quote   Search for more posts by ALLEY CAT
quote:
Originally posted by cnote6:
Prowler Insurance
http://www.StupidVideos.com/?VideoID=831

Yup,,,,that is the way it goes, lol.

Good one Chris!

TBarrow
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From:Cypress, Texas, USA
Registered: Jan 2005
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posted 01-09-2005 09:04 PM     Click Here to See the Profile for TBarrow     send a private message to TBarrow   Edit/Delete Message   Reply w/Quote   Search for more posts by TBarrow
I referred a friend of mine who was in comercial insurance business at the time to Hagerty. He HAD a Chevelle. He was pulling it out of the garage and it had a fuel leak at the electric fuel pump. The car burst into flames and hagerty paid up within a couple of weeks. I can also refer you to another if you need send my a PM and I will get his info. He insures a friends Corvette Collection.

This message has been edited by TBarrow on 01-09-2005 at 09:04 PM

Tytanium-K


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posted 01-10-2005 10:07 AM     Click Here to See the Profile for Tytanium-K     send a private message to Tytanium-K   Edit/Delete Message   Reply w/Quote   Search for more posts by Tytanium-K
What our State Farm agent had to say when I asked about Prowler's value in advent of accident/total loss scenario:

"STATE FARM SETTLES ITS' TOTAL LOSSES BASED ON A VEHICLES' RETAIL VALUE
PLUS APPLICABLE TAXES. THE GOAL IS TO PAY YOU WHATEVER IT WOULD TAKE
FOR YOU, IF YOU COULD FIND YOUR EXACT VEHICLE ON A CAR LOT, TO BUY IT.

ONLY ON VEHICLES OLDER THAN 1971 MODELS ARE STATE FARM'S POLICIES ISSUED
ON A STATED VALUE, OR AS YOU SAY AN AGREED VALUE, BASIS."

Sounds reasonable--doesn't it? On ours, Retail = $31,225 so I am pleased with our agent's statement!

This message has been edited by Tytanium-K on 01-10-2005 at 10:12 AM

cnote6





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posted 01-10-2005 01:50 PM     Click Here to See the Profile for cnote6     send a private message to cnote6   Edit/Delete Message   Reply w/Quote   Search for more posts by cnote6
I just got the phone call, $68 to $72,500. I should have the paper work in a few days.

The rates should not go up to much

our $60K X5 is about the same as the Prowler.


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