Chance, I hope your Germania agent set you up with a specialty classic car insurance carrier like Hagerty, Grundy, etc. Because if they just insured you on a Germania personal auto policy, it is NOT guaranteed value. I know this because I have been a Germania agent since 1998, and a Hagerty agent since 2006. If you're not sure, you should give your agent a call and get clarification on what type of policy you have. If the conversation doesn't clear anything up for you, please PM me and I'll try to answer any questions you may have. The time to find out what kind of coverage you really have is before the claim, not after!I use a local Germania guy. He is 190 a year. And i was able to insure it for as much as i wanted.
How much did that affect the cost of coverage, if you don't mind me asking?I inquired of both Grundy and Hagerty. Grundy refused to quote without a garage. Hagerty accepted off-street parking (driveway) in my geographical location (have heard that in some areas they also require a garage).