Oregon friends! Who are you using for insurance?

TheChristmas

TheChristmas

Member
I called my allstate agent to add my l400 to my policy. Something got mixed up in our phone conversation though, and they added it as a Montero. They don't seem to be able to fix this for whatever reason, so now I'm looking for a new insurer! Who y'all got???
 
I am also in Oregon, I went through USAA. No problem with the van or the weird VIN. They insured the van for the price I bought it for. They did ask if it was a ‘grey market vehicle.’ I said No, just a weird van from Canada.
 
Used progressive with no problem BUT no one really knows how well their coverage is until they have to use it.

I tried a couple of the 'collector' style coverages where you can set the value but they all required really low annual mileage limitations that weren't conducive to my adventures.
 
GoDonutDelica said:
They insured the van for the price I bought it for.
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Nope, they didn't... they insured it for ACV (actual cash value); otherwise known as "bluebook." But since it's not in the bluebook, they will want to value it as any other 25+ yr old van that is in there.
If you want it insured for what you paid then you need an agreed value policy, typically a collector type policy (USAA doesn't do those).

USAA is a good company and will probably cover it for basic/lowest "replacement cost" with like vehicle (another delica of the same age)... as that will be the "cash value" at the time. But there are no guarantees...
 
sk66 said:
Nope, they didn't... they insured it for ACV (actual cash value); otherwise known as "bluebook." But since it's not in the bluebook, they will want to value it as any other 25+ yr old van that is in there.
If you want it insured for what you paid then you need an agreed value policy, typically a collector type policy (USAA doesn't do those).

USAA is a good company and will probably cover it for basic/lowest "replacement cost" with like vehicle (another delica of the same age)... as that will be the "cash value" at the time. But there are no guarantees...
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Thanks for the info! Good to know, for sure.
 
curious what people are paying for their insurance in Oregon? I have a '93 delica - no accidents/ tickets on my record and they are quoting me around $120-$180/month. Seems awfully high considering i pay usually pay $60/ mo in Canada.
 
I have a liability only policy through Progressive and I pay $53 per month. Some people have the antique car style policies with stated values but all the ones I found like that required VERY limited annual mileage to qualify and I drive my van ALOT.
 
westcoastwind said:
curious what people are paying for their insurance in Oregon? I have a '93 delica - no accidents/ tickets on my record and they are quoting me around $120-$180/month. Seems awfully high considering i pay usually pay $60/ mo in Canada.
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175$ a month here with liability and comprehensive through State Farm. But I’m 20 so depending on your age that sounds pretty high
 
jonsvibe said:
175$ a month here with liability and comprehensive through State Farm. But I’m 20 so depending on your age that sounds pretty high
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Do you know what the replacement value is for progressive on your comprehensive side? I had always heard it was super low and not worth the extra monthly payment. From my previous research, it only made sense to do a "stated value" policy given the abnormal market value the vans now command.
 
CodyHennigan said:
Do you know what the replacement value is for progressive on your comprehensive side? I had always heard it was super low and not worth the extra monthly payment. From my previous research, it only made sense to do a "stated value" policy given the abnormal market value the vans now command.
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Honestly, unsure with what Progressive does. I had my van set for $17,000 (with a $250 deductible) on comprehensive with S.F. to play it safe. They were pretty chill about it. If I actually had to use it… dunno, hopefully it doesn’t come to that. I don’t remember it jacking up my monthly all that much either
 
CodyHennigan said:
From my previous research, it only made sense to do a "stated value" policy given the abnormal market value the vans now command.
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Just to be clear... auto insurance is typically stated value. I.e. you tell them what you paid for it and that is the MAXIMUM the vehicle is insured for. What it will be insured for at the time of an incident will be determined by an appraiser (NADA/red book/etc). Or you could insure it for less than you paid to save some money on premiums (also stated value)... this would be the smart way to insure a Delica if you wanted more than just liability and you have a good idea of what they would value the vehicle at (actually cover).

Agreed value (e.g collector insurance) is different... they are agreeing to value it at X dollars at the time of an incident, without depreciation or other comparisons/evaluations.
AFAIK, no insurance company does agreed value as a normal/standard policy over the phone... USAA doesn't even offer it; with State Farm you have to get (and qualify for) their Classic Car Insurance.
 
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