If You Had To Switch Insurance In Kentucky, Who Would You Trust?

Had a client with a ’69 GTO - he was super picky about keeping it original. We worked with Hagerty and they actually sourced the right parts, no hassle. Not every company is that hands-on, but there are a few out there that “get it.” Rates weren’t crazy either, surprisingly.

Hagerty’s solid if you’ve got a classic, but for regular cars or if your record’s not spotless, they’re not really an option. I’ve bounced between Progressive and GEICO in Kentucky - neither’s perfect, but at least they don’t freak out over a couple tickets. Rates are still rough, but that’s just how it goes here. If you care about original parts, though, yeah, Hagerty’s probably the way to go.

- I’ve actually had better luck with State Farm than GEICO or Progressive, even after a fender bender last year.
- Hagerty’s cool for vintage stuff, but their mileage limits are a pain if you like to road trip.
- Anyone else notice Allstate quotes are all over the map? Sometimes they’re low, sometimes way higher for the same car...
- I’d double-check coverage on aftermarket parts too - some of these companies get weird about mods.

State Farm seems to be the local favorite, huh? I’ve heard a lot of folks around here say similar stuff - like, they’re not the cheapest, but they don’t nickel and dime you if you have to actually use the coverage. I had GEICO for years (not in Kentucky though), and their prices were decent till I had a claim... then suddenly I was paying more than my car payment each month.

Anyone else notice Allstate quotes are all over the map? Sometimes they’re low, sometimes way higher for the same car...

Yeah, this is wild to me. My brother and I both got quotes from Allstate for almost identical cars (same year Civic, similar mileage), and his was like $400 less for six months. No idea how that math works. Maybe it’s just Kentucky being Kentucky.

The Hagerty thing is a bummer if you actually want to drive your “classic” more than once a month. My uncle has a ‘70s Bronco he loves to take camping, but Hagerty basically told him to keep it in the garage unless he wants to risk coverage issues. He switched to Grundy, but they’re picky too.

Mods are where it gets tricky. I had an aftermarket exhaust on my old WRX, and my insurance agent acted like I’d just confessed to bank robbery. It’s like, “No sir, I’m not running from the cops, just trying to make my commute sound cooler.” If you’ve got anything custom - wheels, stereo, whatever - get it in writing that they’ll cover it, or you’ll be out of luck if something happens.

Honestly, at this point I just assume every company has some secret dice roll behind the scenes that decides your rate. Maybe we should just go back to riding horses - no insurance required, and you don’t have to worry about your deductible when your “aftermarket” saddle gets stolen...

Honestly, at this point I just assume every company has some secret dice roll behind the scenes that decides your rate.

That’s exactly how it feels sometimes. I’ve stuck with State Farm for years just because they actually answered the phone and didn’t make me jump through hoops after a fender bender. Not the cheapest, but I’d rather pay a bit more for less hassle if something goes sideways. And yeah, mods are a headache - my buddy tried to add a lift kit to his truck and his agent acted like he was building a monster truck rally. Guess it’s just part of the fun...