Below are some of our frequently asked questions. If you have any other
questions or concerns, please feel free to contact us.
| What is different about Rally Insurance Group?
We are an Independent Insurance Agency that specializes in Collector Car Insurance. We represent many different Companies and so we are able to shop your insurance with our many markets. We do not tell you how to use your car, we advise you of your options.
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| Does Rally Insurance write other types of policies besides Collector Auto?
Yes, we are a full service agency. We are able to provide the following:
Homeowners
Renters
Dwelling Fire (rental property, vacation rental)
Auto Insurance
Umbrella
Motorcycle
RV
Watercraft
Snowmobile
Business Insurance
Health Insurance (Individual & Group)
Life Insurance
Dental
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| What Collector Auto Insurance Companies do you represent?
American Modern Home Insurance Company
Continental Western
Classic Collectors (Infinity Insurance Co)
Safeco Insurance Company
Chubb Insurance Company
Haggerty Collector Auto
American Collectors
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| What are the limitations of usage on Collector Policies?
Different Companies allow different types of usage. The standard requirement is that the Collector Car is a secondary vehicle in the household. The car is used mainly for pleasure and is driven driven with a more limited mileage.
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| What is the difference between Stated Amount Coverage and Agreed Value Coverage?
An Agreed Value policy will list a value for your Collector Car and if you have a total loss the Insurance Company will pay that amount as listed on the policy. A Stated Amount Policy will list a value for your Collector Vehicle but says that it will pay whichever is LESS the Stated Amount or Actual Cash Value. This means that if you have your car listed with a $20,000 value and the company feels that the value of your car at the time of the loss is $15,000, they will pay the $15,000 not the $20,000.
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| How old does a car have to be to qualify?
We will consider all ages. We can provide coverage for cars that are up to current year. This is true whether it is stock or modified. Cars less than 10 years old must be sports, muscle, modified or limited production to qualify.
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| What mileage plans are offered with the Collector Auto Insurance?
We currently have companies that offer the following mileage plans:
1,000 miles or less
3,000 miles or less
5,000 miles or less
6,000 miles or less
No defined mileage plan
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| Do any of the Collector Auto Policies have payment plans?
Yes, among the pay plans availble:
Quarterly
Monthly
EFT Monthly
Semi Annual
Annual
Credit Cards are accepted
Pay plans vary greatly by Company. If you are interested in a specific plan, please advise.
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| Do you require that my Collector Car be garaged?
Most of our companies require that your is garaged in a fully enclosed locked garage. On a case by case basis some exceptions are allowed.
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| Will you write a Kit Car in the process of assembly?
Yes, we are able to provide coverage for a vehicle in progress. This is not available in all states.
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| Will you provide coverage for a Dune Buggy?
Yes, we will write a Dune Buggy. In order for us to consider writing a Dune Buggy, it must be street legal.
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| Can you provide coverage for a Pro-Street vehicle?
Yes, we will write all types of custom & modified cars. Some of the types of modifications that we can consider are:
NOS (Nitrous)
Roll Cage
Roll Bar
Harness Seatbelts
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| Do I have to have a spotless driving record?
We are not able to write anyone with a major violation in the past 5 years. We do allow some minor violations or accidents but anything more than 1 is done on a case by case basis. It is best to call if you have any doubts or acceptability.
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| Do you accept Broker business?
Yes, we do! If you would like to be set up as a broker, please call our office at
800-801-1823
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| Are you able to provide coverage for custom & antique motorcycles?
Yes, we are able to place coverage for all kinds of motorcycles including the custom or antique.
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