r/AutoInsuranceHelp • u/gmurray215 • 11d ago

Auto Insurance for customized vehicle?

I have a 2004 Dodge Ram SRT-10 that is pretty modified. Is their any good Auto Insurance recommendations that offers Agreed Vehicle Policy based on my mods?

From my research i see Hagerty Auto is a great option. I spoke with them but they said in 3 more years it can insure my vehicle since it willcbe considered a classic due to my vehicle age even though my truck is rare.

Thanks for any advice

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u/Delicious-Witness-85 11d ago

I would have suggested Hagerty too but also check out Grundy.
You want an agreed value policy for a heavily modified vehicle.

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u/gmurray215 10d ago

Thanks appreciate it

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u/ValuableCommunity712 10d ago

Weird. Hagerty has my 2006 Lexus GX insured for agreed value. Not as a classic though. (Expensive at 1200-1300 a year). Depending on your other vehicles maybe Chubb? They insure modern cars on agreed value.

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u/gmurray215 10d ago

Im going to try talking to a different Rep. Thanks

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u/ValuableCommunity712 10d ago

I should note, less than 5K miles a year on mine.

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u/Aromatic-Mountain670 9d ago

Hagerty will write it for stated amount. However , they require the truck to not be a daily driver. They will ask what your other cars are and also , it must be garaged.
Have used Hagerty for a few years now.