Hagerty's pretty picky, yeah. Unless your Accord is suddenly a "classic" (no offense to Accords, I drive one too), you're probably outta luck there. AAA used to be the easy choice—solid, straightforward—but lately they're just... meh. Premiums creeping up, coverage getting thinner, customer service not exactly stellar. I've seen clients come in with AAA quotes that made me do a double-take.
Honestly, smaller regional insurers are underrated. They often have better flexibility for older cars that aren't quite classics but still have life left. And yeah, independent agents usually have a good handle on who's offering the best deals locally. Worth a shot if you're tired of AAA's antics.
Yeah, AAA's definitely not the same as it used to be. I remember a few years back, I was planning a cross-country road trip and figured AAA was the safest bet—good reputation, roadside assistance, all that jazz. But when I actually needed them (flat tire in the middle of nowhere, classic scenario), it took forever to get someone out there. And lately, their quotes have been creeping up without any real explanation.
Ended up switching to a smaller local insurer after chatting with an independent agent. Honestly, it's been way better—more personalized service and surprisingly decent rates for my older Subaru. Still cautious about coverage limits and all that, but so far no complaints. Definitely worth checking out some local options if you're feeling iffy about AAA these days...
"Ended up switching to a smaller local insurer after chatting with an independent agent."
Interesting perspective, but I'm not entirely convinced smaller insurers always offer better value. I've found that while local companies can be great for personalized service, their coverage networks can sometimes be limited—especially if you travel frequently or move around. AAA might have slipped a bit lately, but their nationwide presence still counts for something, doesn't it? Curious if anyone else has experienced coverage gaps with smaller insurers...
I get what you mean about smaller insurers sometimes having limited networks. I switched to a local company last year, and they're great for everyday stuff—but when I had an accident out of state, sorting it out was a bit more hassle than I'd hoped...
Totally feel you on that one. A few years back, I switched to a smaller insurer because their rates were way better, and honestly, I didn't think much about the network thing until we took a family road trip. Of course, Murphy's Law kicked in—flat tire, middle of nowhere, kids whining in the backseat...you know the drill. Called up the roadside assistance number, and the guy on the other end sounded genuinely confused about where we were. Like, dude, I'm not exactly thrilled about being stranded either!
Eventually got sorted out, but it was definitely more hassle than I'd bargained for. Still, I stuck with them because their local service is pretty solid and affordable. Guess it's just one of those trade-offs you make. Hang in there though—insurance headaches are practically a rite of passage at this point.
