Insurance... Where to go?? - The 1947 - Present Chevrolet & GMC Truck Message Board Network

sixty4bigwindow · 11-28-2017, 03:34 PM

Hey guys, quick question.. Who is everybody using for insurance on their rigs?? I currently have mine on my progressive policy (with my wife's car,) and I'm paying $111 a month for stated value of $8k. It is very high as when I had it only as liability, BOTH cars were under $80 a month... My truck is my daily, and as such, Hagerty or Grundy won't insure it... I want something a little more reasonable, and hopefully specialized, as I'm not sure if anything happens, that Progressive would be the best to cover it.

Any input is super helpful. Thank you guys!

vin63 · 11-28-2017, 03:43 PM

I have all of my hot rods insured by Heacock Classics. They have been by far the best...and I had tried the other big ones before.

sixty4bigwindow · 11-28-2017, 03:54 PM

Quote:

Originally Posted by vin63

I have all of my hot rods insured by Heacock Classics. They have been by far the best...and I had tried the other big ones before.

Are they pretty reasonable? And are you allowed to use the vehicle driving "to and from work, or as a daily driver?" Because that's the issue I'm running in to. None of the specialty places allow daily use.

vin63 · 11-28-2017, 04:55 PM

They have many types of use and mileage coverages. Give them a call and explain what your intended use of the vehicle, etc. I have different use and mileage parameters for my cars, and it was no problem.

Quote:

Originally Posted by sixty4bigwindow

Are they pretty reasonable? And are you allowed to use the vehicle driving "to and from work, or as a daily driver?" Because that's the issue I'm running in to. None of the specialty places allow daily use.

jchav62 · 11-28-2017, 03:48 PM

I've been using Hagerty for few years now.

sixty4bigwindow · 11-28-2017, 03:55 PM

Quote:

Originally Posted by jchav62

I've been using Hagerty for few years now.

See hagerty seemed like a good choice, but they still are for "occasional use." If something happens, I want to make damn sure my rig is covered as a daily driver...

**jayoldschool** · 11-28-2017, 07:40 PM

Buy a cheap daily. Put the truck on Hagerty. Insurance will be cheap on the daily, you don't need comprehensive. It will save you a ton of gas money. It will save you wear on the truck. Insurance on the truck will be under 100... for the YEAR.

flashed · 11-28-2017, 07:57 PM

I doubt any collector insurance will cover a daily driver , I know Hagerty wont .

63burban · 11-28-2017, 08:15 PM

I use American Family on all my old cars, reasonable

**The Rocknrod** · 11-28-2017, 09:44 PM

"all" your vehicles.
http://www.grundy.com/mvp/
Collector cars - http://www.grundy.com/collector-cars/
I requested a quote from three companies. Balanced what you got for the money. I went with Grundy.

**allchevy58** · 11-29-2017, 01:03 AM

Had JC Taylor since 1981, just changed to Hagerty, better price and they will fully insure my trucks if I haul stuff or tow a trailer, as long as I had a primary tow vehicle. Had a small claim with JC Taylor once and they said fix it and send the bill, they sent me a check.

sixty4bigwindow · 11-29-2017, 01:59 PM

Thank you everybody for the input. I ended up going with Hagerty. 495 for the year, and a good mileage allowance. My wife and I commute together most of the week, but a few days I take the truck, and I do drive it daily. Looks like Hagerty will be the best choice for what I am working with right now. Again, this forum has the best people for input on here. Love seeing everybody's rides and amazing ideas!

**damnyankee36** · 11-30-2017, 06:46 PM

What was the mileage allowance? Must be pretty good if you drive it daily.

I believe my State Farm agent will allow daily driving and "normal" mileage if we can agree on a stated value that will cover a total loss.

Cooper197 · 12-01-2017, 05:05 AM

Quote:

Originally Posted by damnyankee36

What was the mileage allowance? Must be pretty good if you drive it daily.

I believe my State Farm agent will allow daily driving and "normal" mileage if we can agree on a stated value that will cover a total loss.

I had my truck insured with State Farm but moved it to Hagerty. Getting a decent value on it was next to impossible. Before having one of their people look at it, they were trying to value my truck at $1,000. Now my truck isn't the nicest on the block, but it's no rust bucket either. I'd say real value is around $15,000-$20,000. Their appraiser said $2,500.

With Hagerty, I have it on my father's policy with a few of his classic rigs and it costs $7/month for full coverage, valued at $23,000 and 3,500 miles a year.
Hagerty was pretty loose with use definitions too. I have a separate daily driver, so they didn't bother me much. I have more restrictions from the plate on it than the insurance.

My $0.02, forget trying to insure it with State Farm.

LostMy65 · 10-27-2018, 08:49 PM

I need some dirt cheap, liability only insurance. I drive my 65 maybe 5 times a year.

**jayoldschool** · 10-27-2018, 09:32 PM

Hagerty will be your best bet.

**Clyde65** · 10-27-2018, 11:28 PM

I have State Farm, multicar policy,$25k agreed value, less thank $30/mo I believe. I can drive as much or as little. This is for full coverage/comp etc.

**rideblue00** · 10-28-2018, 12:05 PM

My State Farm agent wouldnt do much for me, they wanted me to put a good paint job on it before giving me any kind of policy. I was able to use them, but had to pay a policy premium almost as much as my 98 K1500...not happy. In MI we have no fault and our premiums are too high.

11-28-2017, 03:34 PM	#1
sixty4bigwindow Registered User Join Date: Feb 2016 Location: BACK in Southern Oregon... Don't ask Posts: 151	Insurance... Where to go?? Hey guys, quick question.. Who is everybody using for insurance on their rigs?? I currently have mine on my progressive policy (with my wife's car,) and I'm paying $111 a month for stated value of $8k. It is very high as when I had it only as liability, BOTH cars were under $80 a month... My truck is my daily, and as such, Hagerty or Grundy won't insure it... I want something a little more reasonable, and hopefully specialized, as I'm not sure if anything happens, that Progressive would be the best to cover it. Any input is super helpful. Thank you guys!

11-28-2017, 03:43 PM	#2
vin63 It's Better With Nitro Join Date: Apr 2008 Location: Chino Hills, CA Posts: 2,262	Re: Insurance... Where to go?? I have all of my hot rods insured by Heacock Classics. They have been by far the best...and I had tried the other big ones before. __________________ 1963 C-10: Deluxe-optioned cab, shortbed, fleetside Pontiac 462 ci, Kauffman D-Port alum. heads 4L80E, narrowed sheetmetal Ford 9-inch Tubular front and rear suspension Custom 6-piston front disc and 4-piston rear disc brakes

11-28-2017, 03:48 PM	#5
jchav62 1962 C-10 Join Date: Apr 2005 Location: Las Vegas, New Mexico Posts: 4,978	Re: Insurance... Where to go?? I've been using Hagerty for few years now. __________________ Joseph Chavez "See the USA in a Chevrolet!!" ......................_____ .........________//__{\_____ ,,,,,,,/__(O)___//___/__(O)_/ 1962 C10 Shortbed Fleetside 327/th350 GV overdrive 1974 C10 Longbed Fleetside 350/th350 "The Trash Truck" 1999 Chevy 2500 OBS, Longbed 5.7/4L80E 4x4 2015 GMC Sierra SLE 1500 4x4

11-28-2017, 07:40 PM	#7
jayoldschool Moderator Join Date: Dec 2012 Location: ON, Canada Posts: 2,176	Re: Insurance... Where to go?? Buy a cheap daily. Put the truck on Hagerty. Insurance will be cheap on the daily, you don't need comprehensive. It will save you a ton of gas money. It will save you wear on the truck. Insurance on the truck will be under 100... for the YEAR.

11-28-2017, 07:57 PM	#8
flashed Registered User Join Date: Oct 2009 Location: canton ga Posts: 12,724	Re: Insurance... Where to go?? I doubt any collector insurance will cover a daily driver , I know Hagerty wont .

11-28-2017, 08:15 PM	#9
63burban Chevy addict Join Date: May 2012 Location: Iron Ridge, WI Posts: 1,085	Re: Insurance... Where to go?? I use American Family on all my old cars, reasonable

11-28-2017, 09:44 PM	#10
The Rocknrod Moderator Join Date: Aug 2011 Location: China Spring, TX Posts: 7,280	Re: Insurance... Where to go?? "all" your vehicles. http://www.grundy.com/mvp/ Collector cars - http://www.grundy.com/collector-cars/ I requested a quote from three companies. Balanced what you got for the money. I went with Grundy. __________________ Master Chief, US Navy, Retired 1964 C10 Step-side Short Bed - In Progress 2009 2500HD Duramax LTZ 1948 GMC Panel 1956 Big Window Stepside 1953 5 Window Chevy Stepside 1932 Coupe New Seat Foam for Bench Seats?

11-29-2017, 01:03 AM	#11
allchevy58 Senior Member Join Date: Aug 2011 Location: Reno, Nv. Posts: 1,440	Re: Insurance... Where to go?? Had JC Taylor since 1981, just changed to Hagerty, better price and they will fully insure my trucks if I haul stuff or tow a trailer, as long as I had a primary tow vehicle. Had a small claim with JC Taylor once and they said fix it and send the bill, they sent me a check. __________________ 1927 Willy's Knight 24,000 original miles, 1958 Impala 283/Powerglide, 1971 Monte Carlo 350/350, 1972 GMC K2500 350/350, 1976 Chev. K10 350/350, 2006 GMC Sierra 2500HD LBZ Duramax/Allison, 2006 Chev. Silverado K3500 LBZ Duramax/Allison

11-29-2017, 01:59 PM	#12
sixty4bigwindow Registered User Join Date: Feb 2016 Location: BACK in Southern Oregon... Don't ask Posts: 151	Re: Insurance... Where to go?? Thank you everybody for the input. I ended up going with Hagerty. 495 for the year, and a good mileage allowance. My wife and I commute together most of the week, but a few days I take the truck, and I do drive it daily. Looks like Hagerty will be the best choice for what I am working with right now. Again, this forum has the best people for input on here. Love seeing everybody's rides and amazing ideas!

11-30-2017, 06:46 PM	#13
damnyankee36 Senior Member Join Date: Sep 2002 Location: Alamogordo, NM Posts: 724	Re: Insurance... Where to go?? What was the mileage allowance? Must be pretty good if you drive it daily. I believe my State Farm agent will allow daily driving and "normal" mileage if we can agree on a stated value that will cover a total loss.

10-27-2018, 08:49 PM	#15
LostMy65 But Found Her 25yrs Later! Join Date: Oct 2010 Location: Oregon City, Oregon Posts: 10,530	Re: Insurance... Where to go?? I need some dirt cheap, liability only insurance. I drive my 65 maybe 5 times a year. __________________ I lost my 65 - Found it 25 years later: http://67-72chevytrucks.com/vboard/s...d.php?t=426650 66 C20 Service Truck: http://67-72chevytrucks.com/vboard/s...d.php?t=428035

10-27-2018, 09:32 PM	#16
jayoldschool Moderator Join Date: Dec 2012 Location: ON, Canada Posts: 2,176	Re: Insurance... Where to go?? Hagerty will be your best bet.

10-27-2018, 11:28 PM	#17
Clyde65 1965 Chevy C10, 2005 4.8L/4l60 Join Date: Aug 2004 Location: DFW Texas Posts: 8,546	Re: Insurance... Where to go?? I have State Farm, multicar policy,$25k agreed value, less thank $30/mo I believe. I can drive as much or as little. This is for full coverage/comp etc. __________________ Clyde65 Rebuild of Clyde http://67-72chevytrucks.com/vboard/s...84#post8338184 69 Aristocrat Lo Liner build http://67-72chevytrucks.com/vboard/s...84#post7561684 *support our troops!*

10-28-2018, 12:05 PM	#18
rideblue00 Senior Member Join Date: Feb 2010 Location: Lambertville, MI Posts: 1,865	Re: Insurance... Where to go?? My State Farm agent wouldnt do much for me, they wanted me to put a good paint job on it before giving me any kind of policy. I was able to use them, but had to pay a policy premium almost as much as my 98 K1500...not happy. In MI we have no fault and our premiums are too high.

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