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Old March 10th   #1
dbagency
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Specialty Car Insurance

The David Burt Agency CHROME Specialty Car Insurance

We are a full line agency. As for our vehicle coverage we have special programs for Classics, Hot Rods, Originals, Modified, Exotic and Modern Classic. Other than the Modern Classic the vehicle has to be in show quality and over 25 years of age. The Modern Classic program is for vehicles that are less than 25 years old but valued over $15,000. We have some garaging rules but overall are very liberal on our mileage allowances compared to most companies. The CHROME rates are very competitive and when bundled with our regular use auto coverage or a homeowner policy it comes together nicely. I also offer life insurance, retirement planning, debt reduction counseling and cash flow management programs.
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J David Burt
David Burt Agency
American National Insurance
2042 Beltline Road SW Suite B104
Decatur AL 35601
256-355-2223
1-888-842-9025
www.safemoneywithdavid.com
We Insure What you Value Most.
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Old March 10th   #2
Samir
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The Modern Classic policy sounds really great for those of us with newer cars. What's the best way to get a quote?
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Old March 11th   #3
dbagency
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Samir. Our Chrome program covers all types of vehicles from classics to street rods to originals to the newest class--Modern Classic. To be eligible for this program the vehicle has to be less than 25 years old and valued at $15,000 or above. It cannot be a daily commuting vehicle. The coverage is stated value, not actual cash value which can be very important at claim time. I am in the process of updating my web site but you can go to www.anpac.com/classic-car-insurance and there is an overview of the program. To get a quote I would need to get some basic info from you and I could have it ready in no time. Up to $24,999 in value we do not require an appraisal. Anything over that amount does require an independent appraisal. Let me know if you have additional questions. Thanks.
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J David Burt
David Burt Agency
American National Insurance
2042 Beltline Road SW Suite B104
Decatur AL 35601
256-355-2223
1-888-842-9025
www.safemoneywithdavid.com
We Insure What you Value Most.
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Old March 11th   #4
Samir
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Pretty interesting program. What's the difference between stated value and actual cash value in terms of the policy? What is used to determine the car's value?
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Old March 12th   #5
dbagency
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The difference between ACV and Stated Value is like comparing a Lexus to a Kia. Stated value is just that. Once the company accepts your stated value or the value on an independent appraisal that is the amount that would be paid minus the deductible in the event of a total loss situation. With ACV the insurance adjuster does a search using a reputable evaluation system to determine the value of the vehicle. This is usually pulled from a valuation service that tracks sales of particular vehicles typed and then they average the sales prices to determine the fair market value. With any type of specialty vehicle this method is not appropriate and usually results in a much lower value which could cost the owner $1000's of dollars never to be reclaimed. We allow self appraisals up to $24,999 and over that at independent appraisal is required. There are local appraisers and we will also accept independent appraisers from shop owners who have been building, restoring, buying an selling specialty cars for years while in business.
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J David Burt
David Burt Agency
American National Insurance
2042 Beltline Road SW Suite B104
Decatur AL 35601
256-355-2223
1-888-842-9025
www.safemoneywithdavid.com
We Insure What you Value Most.
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Old March 12th   #6
Samir
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Great info! I like the idea of stating your own value. We know how much we've dumped into our cars, that's for sure.
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Old March 13th   #7
dbagency
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Let me know if you are interested in some comps and I will be happy to provide them to you. Thanks again for your help getting the banners set up.
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J David Burt
David Burt Agency
American National Insurance
2042 Beltline Road SW Suite B104
Decatur AL 35601
256-355-2223
1-888-842-9025
www.safemoneywithdavid.com
We Insure What you Value Most.
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Old March 14th   #8
Samir
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Quote:
Originally Posted by dbagency View Post
Let me know if you are interested in some comps and I will be happy to provide them to you. Thanks again for your help getting the banners set up.
I hate to ask, but what's a comp?

You're welcome for the help. Thank you for supporting the site!
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Old March 14th   #9
dbagency
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I am sorry. Comparisons on your vehicle insurance rates.
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J David Burt
David Burt Agency
American National Insurance
2042 Beltline Road SW Suite B104
Decatur AL 35601
256-355-2223
1-888-842-9025
www.safemoneywithdavid.com
We Insure What you Value Most.
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Old March 14th   #10
Samir
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I am sorry. Comparisons on your vehicle insurance rates.
Ahh...industry lingo, lol.
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Old March 14th   #11
dbagency
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I will email you a list of info I would need to quote your stuff. Yes, foreign language. Now you know how I felt when you were in my office last week spatting all of the web language 90 to nothin!!!!!!!
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J David Burt
David Burt Agency
American National Insurance
2042 Beltline Road SW Suite B104
Decatur AL 35601
256-355-2223
1-888-842-9025
www.safemoneywithdavid.com
We Insure What you Value Most.
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Old March 14th   #12
Samir
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I will email you a list of info I would need to quote your stuff. Yes, foreign language. Now you know how I felt when you were in my office last week spatting all of the web language 90 to nothin!!!!!!!
Yep, I definitely do. But hey, you picked up on it pretty quick.
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