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My insurance is through AAA (Auto Club of Southern California). I had to go check to see how it is written up. I m not sure who actually underwrites the insurance, but it is an Agreed Value policy written for an agreed value of $37,000. It has a $250 collision deductible, Liability 100,000 each person / $300,000 each occurrence and property damage of $50,000 each occurrence. Uninsured Motorist is $100,000 each person / $300,000 each accident.
It is identified as garaged and driven less than 2500 miles / year. I write them a check for $201 a year after using the following discounts: C3VR Corvette Club, multi car, multi policy Good Driver and Garaged. We have had all our cars and home insured through AAA. When I purchased the car six years ago, AAA did an inspection, took pics and shopped for me. I got a call back with this policy and I accepted.
I have no idea if this is a fair price or not, but I do not have any stipulations on the policy other than those explained above. I'm happy it is not more living in SoCal!
FYI, the car club discount is 5%. To qualify the club needed to be in existence for 3 years and have a minimum of 100 active members. C3VR helps out again!
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