jomichael, No I haven't had any claims yet & hope not to.
It's been three years since I signed up and don't recall what specifically was on the forms. Remember that if you're driving it to work and/or school daily it's a "daily driver". Collector car insurance isn't what you need.
Dads50, be aware that a stated value policy means you have to prove the value of the vehicle in case of a loss. The burden of proof is on you, not them. Agreed value is where both parties agree on the value BEFORE the policy is enacted. My Grundy policy is an agreed value policy for a total loss of $32K. My policy is under $200 per year and I put 2K to 2.5K on my car annually.
Tim, I had State Farm for years until they went to a percentage deductible. I don't know if they're still that way but if you have a major loss a small percentage can be a lot of money. My Grundy policy is $0 deductible.
