[mercman86]

My '66 Ranchero runs and drives like a dream. I spent a lot of time and money to make it drivable. However, its not pretty. Not too bad but not done yet. Anyway I called up my agent and set up a policy, sent him photos and warned him that the car does not look pretty. He assured me that it would be no problem and that he has insured cars that looked much worse. I pay him and all is good. Untill I get a bill a month later for 500 bucks for the same policy. OK, someone made a mistake. Call them up and after being put on hold several times, some wise guy comes on the line and told me that my original Antique policy was cancelled because they suspected that i was using the car as a daily driver and was trying to fradulently insure it as antique for the low rates. I reminded them that it was registered as an antique and it would be illeagle for me to do so. Also I still have my 2004 F-150 on my policy as my daily driver. On hold again..... "sorry the car doesnt have a show quality finish so it does not qualify as an antique." So it is insured for storage, but I cant drive it unless i call em up, tell them its on the road and i have to call immediently when it is placed in storage. ANyone else run into this BS or am i just out of luck untill i can afford to have it painted.

Thanks in advance!

[MCHinson]

You should contact J.C. Taylor, Grundy, or Hagerty Insurance. A quick google search should locate them for you. One of those should be able to take care of your insurance needs for a reasonable price.

[palosfv3]

I experienced a similar issue when I went to insure my 52 Lincoln. The underwriters are scrutinizing everything. Add to the fact that all underwriters don't have the same knowledge or experience. Right now most major insurance companies are tightening up because claims have been paying out more than they take in in premiums. They have made a tremendous amount of money over the last several years because of their investments which have allowed them absorb the premium loss and post a significant profit. The loss of the investment revenue stream is going to result in increased premiums from all carriers on all types of insurance. The time is just around the corner.

Call your agent and get him involved .He can request a review of the underwriters decision and if he is a large agency he carries some clout. If he says he cant do anything get another agent. Drop me a line if you need further help.

[Jim Bollman]

Go with one of the companies that specialize in antique car insurance like Taylor. I have been with Taylor and have insured some pretty ugly cars and trucks over the years.

My 66.



It's a 20 footer

[msmazcol]

State Farm does not have a clue when it comes to collector cars and the exposure they actually have. Their rates reflect that.
Tri-State Insurance of Minnesota. Top notch collector car insurance, they handle our area, I'm near Chicago also
A fraction of the price and they get IT.

[mercman86]

Thanks for all the imput guys. I have contacted my agent personally after dealing with the main office. Due to his rude comments and overall attitude of "who cares" i have contacted another state farm agent and I am waiting for her to contact me. The issue that really had me burned up was that they bluntly accused me of fraud. I know we are all in tough times but really, come on! Me and my family have been with state farm for over 50 years, me and my folks have been with the same agent for over 20 years and for them to have the nerve to accuse me of being dishonest has really got me thinking of leaving them permanantly. If the other agent is unable to insure it, JC taylor is my next stop. My boss uses them and from what i hear they are pretty good. But i will contact the others for a quote. Once again thank for the advice! Heres a picture, NOTE: I am NOT RESPONSIBLE for the spraypaint primer, the moron i bought her from did that, not me!!



She'll look like just like Jim's when shes all painted up!

[rocketraider]

Suck up the money you've paid in over the years, walk away from State Farm and never look back. There are too many insurers specializing in antique car insurance to put up with any company's or agent's crap when trying to insure an old car that is not being used as daily transportation.

Make sure the original agent knows beyond any doubt why you are leaving State Farm (and his agency), and that you will tell friends, family, anyone who will listen, about their/his poor customer service. Any businessman knows word of mouth, either good or bad, is very effective advertising. When a 20-year customer walks away angry, that is not good for business.

[mercman86]

Couldn't agree with you more. However, If I cancelled the policy on my Ranchero, I would probably keep my other pickup, boat and camper with them just because i always have that horrible feeling of "what if?" and the fear of being dropped because of an accident or somthing. If the other state farm agent is able to insure my ranchero, i will probably switch to her agency for all my vehicles becuase i really cant say anything terrible about state farm itself, just that my agent is a total jerk and acts like his you-know-what doesent stink.

[palosfv3]

Are you on the north or south side of Chicago ?

[palosfv3]

Are you on the north or south side of Chicago ?