# Anyone in Buffalo area have their car appraised? **URL:** \ **Category:** NYSpeed Automotive\ **Created:** [June 17, 2013, 2:44pm UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243 "2013-06-17T14:44:05Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![2TurboZ](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/2turboz/32/7577_2.png) [@2TurboZ](https://forums.speedlife.net/u/2TurboZ)\ **Post date:** [June 18, 2013, 8:40am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/21 "2013-06-18T08:40:56Z")
My agent said that an appraisal with a limited use policy would drop my rate and insure the car for more $ due to it’s rarity. They applied for Haggerty but it is not yet on their list and she applied for an exemption and Haggerty came back and said in a year or 2 it will meet there requirements. Based on that she looked into another company, maybe Gundy, that would also review the car for a limited use/exotic policy provided I had the car appraised to come to an agreed value ---
**Author:** ![POOPRA](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/poopra/32/7188_2.png) [@POOPRA](https://forums.speedlife.net/u/POOPRA)\ **Post date:** [June 18, 2013, 8:48am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/22 "2013-06-18T08:48:43Z")
FYI - Most of these limited use policies prohibit you from driving the car to work & cap yearly mileage if you didnt know this already. ---
**Author:** ![2TurboZ](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/2turboz/32/7577_2.png) [@2TurboZ](https://forums.speedlife.net/u/2TurboZ)\ **Post date:** [June 18, 2013, 8:59am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/23 "2013-06-18T08:59:31Z")
It’s a 3rd car and may see 2k a year. I only drive my suv to work in case I have clients with me so it seems to be a good fit. I am going to see how it works with the Lexus and thentry to get one for the Mustang which will be driven a bit more but never for work. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [June 18, 2013, 9:01am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/24 "2013-06-18T09:01:56Z")
The limited use policy I had allowed unlimited miles but no daily driver activity like back and forth to work. I had to provide copies of the registrations for mine and my wife’s daily drivers as well as sign a notarized letter stating no one under 25 would drive it. A few hoops but worth it when I ended up with full coverage at my agreed value for $90 a year. Edit: They wanted a picture of my garage to prove it was garage kept as well. Pretty sure I was with Grundy. I know I got the policy though my agent which was Alliance Insurance in Depew at the time. ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [June 18, 2013, 9:09am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/25 "2013-06-18T09:09:56Z")
> [@somedude](#): > > if you think there is only 5K into this car you are seirously mistaken. Its value is dick there is no question there. I would like to recover reasonable time and money if some asshole rear ends me because they are not paying attention or a tree lands on it. Who knows maybe that russian meteor will come back around and land on it as soon as i start it. If I was looking to insure 5K i would just carry min coverage because I could eat that if something were to happen. My point was you would need to have someone appraise it at said value you think it worth…or else you could insure some 1990 honda civic hatch for 150,000 pay a high payment for a month then leave it in the hood with the keys in it just to collect a check for 150,000. ---
**Author:** ![2TurboZ](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/2turboz/32/7577_2.png) [@2TurboZ](https://forums.speedlife.net/u/2TurboZ)\ **Post date:** [June 18, 2013, 9:13am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/26 "2013-06-18T09:13:00Z")
> [@JayS](#): > > The limited use policy I had allowed unlimited miles but no daily driver activity like back and forth to work. I had to provide copies of the registrations for mine and my wife’s daily drivers as well as sign a notarized letter stating no one under 25 would drive it. A few hoops but worth it when I ended up with full coverage at my agreed value for $90 a year. > > Edit: They wanted a picture of my garage to prove it was garage kept as well. Pretty sure I was with Grundy. I know I got the policy though my agent which was Alliance Insurance in Depew at the time. I think this sounds like the winner for the Lexus and Mustang ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [June 18, 2013, 9:54am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/27 "2013-06-18T09:54:38Z")
> [@2TurboZ](#): > > I think this sounds like the winner for the Lexus and Mustang I was doing a search on “Grundy” and realized I was with someone else. I can’t remember who it was though. Too bad UBRF wasn’t still around because I know I wrote up the whole process there. Also realized it was $70 not $90. You could probably call Alliance Insurance and ask them. ---
**Author:** ![deebo](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/deebo/32/5218_2.png) [@deebo](https://forums.speedlife.net/u/deebo)\ **Post date:** [June 18, 2013, 9:56am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/28 "2013-06-18T09:56:57Z")
FWIW I have my car covered under full coverage + like 5k in “accessories” I.E if someone steals my wheels I get 3500 to replace them directly from Work and not 400$ to get factory wheels lol. It would prob be better to do this not an appraisal. I am not saying anything bad about your cars, but If I had a car like newmans that is only “worth” 2k on a good day but has many monies into it, then it makes sense. Even if either car is totaled you could still buy back and part and make out ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [June 18, 2013, 10:11am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/29 "2013-06-18T10:11:32Z")
> [@deebo](#): > > FWIW I have my car covered under full coverage + like 5k in “accessories” I.E if someone steals my wheels I get 3500 to replace them directly from Work and not 400$ to get factory wheels lol. > It would prob be better to do this not an appraisal. Just a few days ago weren’t you bragging about how you didn’t have any full coverage on your car? > [@Looking at buying a used car - Question](https://forums.speedlife.net/t/looking-at-buying-a-used-car-question/231071/8): > > When I bought my S2k I couldn’t get a loan so I just bought my car cash and took out a personal loan against it to get my money back. **I dont have to carry full coverage on the vehicle.** Its a difference of about 800/year. the difference in interest rates evens out with insurance. Interestingly enough, in another of the OP’s threads… [http://www.nyspeed.com/showthread.php?240227-Looking-at-buying-a-used-car-Question](http://www.nyspeed.com/showthread.php?240227-Looking-at-buying-a-used-car-Question) ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [June 18, 2013, 10:26am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/30 "2013-06-18T10:26:25Z")
lol pwned ---
**Author:** ![deebo](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/deebo/32/5218_2.png) [@deebo](https://forums.speedlife.net/u/deebo)\ **Post date:** [June 18, 2013, 10:29am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/31 "2013-06-18T10:29:06Z")
> [@JayS](#): > > Just a few days ago weren’t you bragging about how you didn’t have any full coverage on your car? > > Interestingly enough, in another of the OP’s threads… > [http://www.nyspeed.com/showthread.php?240227-Looking-at-buying-a-used-car-Question](http://www.nyspeed.com/showthread.php?240227-Looking-at-buying-a-used-car-Question) LOL. How is it bragging not having full coverage ? U mad about something , bro ? I said on a personal loan you dont have to carry full coverage because the loan isn’t tied to the car. Understand now ?? ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [June 18, 2013, 10:33am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/32 "2013-06-18T10:33:50Z")
> [@deebo](#): > > LOL. How is it bragging not having full coverage ? U mad about something , bro ? > I said on a personal loan you dont have to carry full coverage because the loan isn’t tied to the car. > Understand now ?? Because you said you don’t have full coverage in one thread…then turned around you said you had full coverage + additional coverage for mods. So to clarify you meant to say you don’t need full coverage but you have it any ways with additional coverage? lol ---
**Author:** ![deebo](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/deebo/32/5218_2.png) [@deebo](https://forums.speedlife.net/u/deebo)\ **Post date:** [June 18, 2013, 10:35am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/33 "2013-06-18T10:35:52Z")
“I dont have to carry full coverage” doesnt mean “I dont carry full coverage” ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [June 18, 2013, 10:37am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/34 "2013-06-18T10:37:13Z")
> [@deebo](#): > > “I dont have to carry full coverage” doesnt mean “I dont carry full coverage” It’s funny you would make that horrible suggestion in one thread. Then pop up in here talking about the extra insurance you carry. ---
**Author:** ![deebo](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/deebo/32/5218_2.png) [@deebo](https://forums.speedlife.net/u/deebo)\ **Post date:** [June 18, 2013, 10:39am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/35 "2013-06-18T10:39:52Z")
It was a suggestion to get the car immediately not a long term solution. I also stated he could refinance after he had the car with a low Apr auto loan ---
**Author:** ![Beck](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/beck/32/28683_2.png) [@Beck](https://forums.speedlife.net/u/Beck)\ **Post date:** [June 18, 2013, 10:44am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/36 "2013-06-18T10:44:31Z")
Anyone who doesn’t have the highest available amount of coverage is just asking for it. Provided you have assets. Being over insured \> being under insured. Hell, I have a separate policy for my watches. ---
**Author:** ![gray\_es300](https://avatars.discourse-cdn.com/v4/letter/g/4af34b/32.png) [@gray\_es300](https://forums.speedlife.net/u/gray_es300)\ **Post date:** [June 18, 2013, 10:58am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/37 "2013-06-18T10:58:58Z")
^This, you pay more now, but it pays off in the end when you need it (for the most part). ---
**Author:** ![2TurboZ](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/2turboz/32/7577_2.png) [@2TurboZ](https://forums.speedlife.net/u/2TurboZ)\ **Post date:** [June 18, 2013, 11:06am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/38 "2013-06-18T11:06:57Z")
I have to assume limited use = limited opportunity to have something happen to the car = lower rates. Sounds like a no brainer provided the cars are insured for their appraised amount or modifications are covered. Am I missing something? ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [June 18, 2013, 11:08am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/39 "2013-06-18T11:08:20Z")
> [@2TurboZ](#): > > I have to assume limited use = limited opportunity to have something happen to the car = lower rates. > > Sounds like a no brainer provided the cars are insured for their appraised amount or modifications are covered. > > Am I missing something? No it’s pretty much insurance for people who have hobby/whatever cars that they don’t DD which should fit your cars perfectly. Some insurance companies allow more flexibility but that has been covered ---
**Author:** ![2TurboZ](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/2turboz/32/7577_2.png) [@2TurboZ](https://forums.speedlife.net/u/2TurboZ)\ **Post date:** [June 18, 2013, 11:09am UTC](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243/40 "2013-06-18T11:09:29Z")
Which is exactly what I use both of them for. [Previous page](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243.md?page=1) [Next page](https://forums.speedlife.net/t/anyone-in-buffalo-area-have-their-car-appraised/231243.md?page=3)