Millions of RBAMs (Red-Blooded American Males) have “toy” cars stashed away in their garages.  Many of them are insured on an ordinary personal auto insurance policy.  Why?  Probably, it’s because it’s easier for an insurance agent to treat these “special” vehicles just like any other car.  If this sounds like your situation, you’re probably paying about 4x what you should be paying and getting inadequate coverage to boot.  Our collector and antique insurance program can insure your special interest vehicle typically for 1/4 to 1/2 what it would cost on a normal insurance policy.  And, in our Classic Car program, you get what’s called “agreed value” coverage that recognizes the special value these vehicles hold.

So, if you meet these general qualifications, give us a call to improve your coverage and save a lot of money:

1) drive <2,500 miles annually
2) primarliy used for pleasure/show and only driven occasionally
3) stored in a locked, enclosed garage
4) have another insured vehicle for regular use
5) vehicle is at least 10 years old and of special interest

If that sounds like you, give one of our agents a call at 1-888-348-6337 today!

You’ve heard the commercials – go to freecreditreport.com (can you hear the annoying, yet memorable jingle?) and get your free credit report.  Oh yeah, the “small print” says you have to enroll in something called triple advantage; I’m sure that has to cost something, right?

Anyway, most insurance companies are using your credit report as part of their rating process.  We can argue whether or not that’s a good thing for society, but the fact is that there is a strong correlation between credit responsibility and future insurance losses.  I know because I did a lot of research in this area over my career.  But I digress, my point is most of you probably don’t read all the stuff that you get from insurance companies (don’t worry, few of us do).  In the package, there’s probably something called an “FCRA notice”.  FCRA stands for the federal Fair Credit Reporting Act, and it basically says that if your credit isn’t in the absolute top tier of credit scores, it may have had a negative impact on the price you were quoted; so, bingo, you get a free credit report without having to sign up for a costly credit-monitoring service.  There’s no time limitation like one per year, and no purchase necessary!

There will usually be a toll-free number you can call along with a case ID or something similar, and it’s easy to call and get a copy of your reports just to make sure everything looks OK.    Here’s an example of our FCRA notice.  I recommend you quote your insurance about once a year and take advantage of this truly free credit report.