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Currently I have 4 vehicles active on my USAA policy, the 3 MB's that
are in the current rotation and the 02 Silverado. The cars have
liability and the truck has full coverage. If I were to leave the truck
with USAA and move the cars over to Hagerty with full coverage, $500
deductible, stated value is either average or high NADA which is way
more than I paid for them or would ever pay for them. For example, SDL
is $5k, 98 E300 is $6825, and 92 300SD is $7900, I would end up paying
about $676 more per year doing this. This is also listing them as 3k
miles per year, which they usually end up being driven more than that.
If I moved everything to full coverage with USAA it would end up costing
about $1700 more per year. Quiet a difference. I can and probably will
have other vehicles added later as I get them ready and some removed as
they are sold or moved out of active driving status, so the numbers
could change. So anyway just running some numbers. If I could move
them to Hagerty, in my mind it might be worth the extra $600 or so a
month if something were to happen to one of the MB's I could then get
paid on it.
