I have Haggerty on both Rangers, the ‘97 Road Ranger, and the ‘87 Missing Linc. Mine are customized. If you’re not familiar, see my build threads in my signature.
But let me start with Grundy worldwide. I’ve had Grundy over 20 years. In a former life, I had a lot of classic Mercedes, several Rolls-Royce, Italian sports cars, etc.. When I discovered them, I think I had eight vehicles with State Farm. I moved the classics to Grundy, and it was about 20% of the cost of State farm with far better coverage: agreed very good value upfront, decent liability limits, zero deductible. Right now, I have a 78 continental Marc V, a 1987 signature town car, and a 1988 signature town car with Grundy. All three are near pristine. All three share one liability coverage, and then each car’s collision & comp is added to that anchor policy.
When I got the Rangers (2020) and I modified them, Grundy wouldn’t do them because there were too many still just used on the road for work. Haggerty picked them both up. I think part of the reason Haggerty covered them is because I had Grundy for so many years, and I have Liberty Mutual regular insurance on my ‘96 F250. I’m also the only driver in the household. Haggerty on the Rangers is about half the cost of what I was paying Liberty Mutual at the time, with much much better coverage.
Understand a little bit how it works. Double check my “facts“ here if you decide to do it.
Collector insurance won’t usually cover you unless you’ve got regular insurance on at least one other vehicle in your name. And there has to be one regularly insured vehicle for each licensed driver in the household. If you do the kind of work that requires a truck, there will probably have to be one truck on a regular policy before they will write a second truck on a collector policy. I think one of the reasons I didn’t have any trouble with the Rangers is because I had a cherry F250 with regular insurance so they knew I wouldn’t be working out of the customs, and I’m also mostly retired. I still work as an engineer with a commercial real estate license, but I don’t do any physical work like a carpentry or such. If you don’t have another vehicle, they know you’re using it as a daily driver or maybe for work, which is not allowed under the collector policy.
Accident and incident history is also important. Most people who have true collector vehicles protect them like the family jewels and don’t push them and have accidents. If you have bad spots on your record, it’s unlikely they’ll cover you.
The collector policy is supposed to be for hobbyists, not for your daily life. Using it for work is prohibited. The policy won’t cover things like driving through the woods for fun on trails and such, especially stuff like missing or rock climbing. Some policies won’t let you tow trailers. Etc. Again, the vehicles are supposed to be used for cruising and show, not for living life and working.
Understand also how it works if you’re in an accident. Say work is prohibited, and someone hits you, not your fault, but it’s obvious you’re working out of the truck. Not only does the policy get canceled, it goes on the common database that you were using the insurance fraudulently. Try getting coverage after that at a reasonable price. If you hit someone else, it will be limited to the coverage you have, you’ll also be canceled and it will be difficult to get coverage at a decent price. The real downside there is if the person you hit sues you, they might not defend or cover you. On the bright side, they will cover the damages in the accident, but they they’ll toss you to the curb after that and every other insurance company will know about it.
On the positive side, I’ve had two accidents, one my fault and one not my fault. There was nothing ugly like drunk driving. They cut a check in a week, virtually no questions asked.
If you want to discuss it, send me a private message and I’ll send you my phone number. I’ve been doing the collector policy stuff for 2025 years at least, and I hang with a whole bunch of guys who got collector vehicles.
