Might be less convenient, but I’d rather deal with two bills than fight over claims later.
Totally get where you’re coming from. I tried bundling my old Mustang and house once—saved a bit, but when it came to actual repairs, the “savings” vanished. Did you look into any classic car insurers before splitting? Some of them actually let you bundle with home policies now, though I’m not sure if it’s worth the hassle or just another sales pitch.
I get the appeal of bundling, but honestly, classic car insurers like Hagerty or Grundy usually do a better job with actual claims and agreed value. I did the math last year, and the “bundle discount” with USAA barely covered the difference in coverage. Plus, when my buddy had an issue, it took forever to sort out. Sometimes splitting just makes life easier, even if it means juggling two bills. Anyone actually had a smooth claims process with a bundled policy? That’s where the rubber meets the road, in my opinion.
I hear you on the claims side—my neighbor had a nightmare with a bundled policy after a hailstorm, just endless back-and-forth. I’ve stuck with separate policies for my daily and my old Mustang, mostly for peace of mind. Has anyone actually seen real savings from bundling, or is it just marketing?
I’ve stuck with separate policies for my daily and my old Mustang, mostly for peace of mind.
I get that. I tried bundling once, thinking it’d be a breeze—turns out, when you’ve got a “colorful” driving record like mine, the only thing bundled was my stress level. The discount looked good on paper, but after a fender bender (not my fault this time!), the claims process felt like running laps in a parking lot full of potholes. Maybe it works better if you’re not on a first-name basis with your adjuster... but for me, separate policies just keep things simpler.
