Quote:
Originally Posted by weq92f
FWIW, ...
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I told the guy it wasn't really stock, that it had been modernized as far as engine, trasmission and some comfort stuff in the cab. I did not mention specifics like HP, CID or cost. Also told him that it's got upgraded brakes and suspension for ride/handling/safety, again no specifics. Definitely let him know that the truck isn't close to stock original.
No issue at all and the price, well... I have no frame of reference other than the coverage I was paying for it through Allstate. The Hagerty premium is only slightly more than what Allstate was charging me. I'm very pleased with that. I could have said no to the 1500 spare parts coverage, towing and such for 60 bucks/year. That said, the 60 bucks is a pretty good percentage of the overall premium, if that tells you anything!
-klb
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Got a call today from Hagerty. Having a BBC installed makes it 'Modified' which brings the premium up about 70%. It's still a good price at less than 500 a year, but... Full disclosure brings me back to this thread.
Just like all insurance, the initial policy is really just a first stab. After that, they are free to claim what they want and raise the rate accordingly.
Note here that I explained that it wasn't stock the day the policy was written. If you go for a Hagerty policy, try real hard to get them to write the correct policy at the beginning.
-klb