Insurance Nitemare

[twoskies]

hey

talked to my insurance today to get coverage on my 1972 c10, if i go with Collecter ins it has limitations, 3000 miles (probably be ok) only 2 drivers on policy,(wife and myself)and no using truck to get gravel or stuff from home improvement stores, (kinda an issue, its a truck)

if i want to use as a truck, can only insure as plpd, no pay if im in a wreck and its my fault, no pay if it gets stolen, i can use as a truck and anyone in my family or i choose could drive it(probably not an issue, im probably going to be only driver for the most part, my son might need it every once in awhile)

What are you guys and gals using
What insurance company
What kind of coverage

Any Help very appreciated

[novapower]

State farm for the same reason i use my truck as a truck.i can also drive it whenever I want to wherever I want.it is insured like any other vechical.

[LockDoc]

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American Family. Insure it with "Agreed" or "Stated" value. All you have to do is have it appraised.

LockDoc

[BossHogg69]

Originally Posted by LockDoc

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American Family. Insure it with "Agreed" or "Stated" value. All you have to do is have it appraised.

LockDoc

this is the way to go with a daily driven classic.

I have a full coverage 'agreed value' policy on my '65 Bel Air station wagon with Safeco. The wagon is my daily driver. I didn't even have to get it appraised. Hit a deer in November of 2017 and they covered it.

My two 'hot rods' - '69 C10 & '61 Bel Air on on classic car policies with Hagerty, but they have the usual restrictions with mileage and intended use.

[CharlieBrown]

JC Taylor...I have used them for about 20 years

only have one claim....wrecked my 72...they paid like clock work

[mrein3]

Me three on the American Family stated value policy.
In fact I just had a chat with my agent. I had the appraisal done years ago and still only have it insured for $4500 we agreed to then. 15 years ago?

A co-worker did a build of one of these on these pages, drove it a year or two, and this past summer sold it for more than 3x what I have my insured at. Agent said I need to go it it appraised.

And I do use it as a truck.

Originally Posted by BossHogg69

this is the way to go with a daily driven classic.

I have a full coverage 'agreed value' policy on my '65 Bel Air station wagon with Safeco. The wagon is my daily driver. I didn't even have to get it appraised. Hit a deer in November of 2017 and they covered it.

My two 'hot rods' - '69 C10 & '61 Bel Air on on classic car policies with Hagerty, but they have the usual restrictions with mileage and intended use.

[HIGHWAY BY THE SEA]

I use GEICO for liability, which is all that is required in SC.

[BossHogg69]

Originally Posted by mrein3

Me three on the American Family stated value policy.
In fact I just had a chat with my agent. I had the appraisal done years ago and still only have it insured for $4500 we agreed to then. 15 years ago?

A co-worker did a build of one of these on these pages, drove it a year or two, and this past summer sold it for more than 3x what I have my insured at. Agent said I need to go it it appraised.

And I do use it as a truck.

I have my wagon insured for am agreed amount of $18000, that's why I didn't have it appraised. and I use it as a truck too, lol.

[leddzepp]

Originally Posted by novapower

State farm for the same reason i use my truck as a truck.i can also drive it whenever I want to wherever I want.it is insured like any other vechical.

This all the way, unless you have a Leno quality collector piece that increases in value faster than your premiums.

[saxart]

Originally Posted by novapower

State farm for the same reason i use my truck as a truck.i can also drive it whenever I want to wherever I want.it is insured like any other vechical.

We've been with State Farm for about the past 25 years, but when I bought our '70 a couple of years ago, they wanted nothing to do about it. They put coverage on it when I first picked it up, but told me that would be a short term thing. Once that lapsed, I went with Hagerty and am very pleased with the price quote per year. If you haven't already done so, give them a call!

[kwmech]

I've got State Farm on both my trucks 68 3/4 ton and my 69 1 ton flat bed. Never questioned me about either...and they've seen them at their offfice

[Killer Bee]

USAA here for everything.. but then nothing I drive is worth anything

sounds like you need another truck, one to work, one to play

good luck on your solution!

[rpmerf]

Allstate. I don't cover any of my own vehicles, just state minimum to cover other motorists if I am at fault. Mathing it out, I would pay the value of my vehicles every 2 years or so for full coverage. Any one of my vehicles would be totaled if they ever got in an accident. I've had 4 or so vehicles that have been in accidents that could had been totaled, but I repaired them for between $100 and $500.

[Rickysnickers]

AAA here. I have it insured for an agreed value and can drive up to 5000 miles a year.

[p0508]

Call the national corvette museum. It's a little known fact they offer great insurance. You can insure a vehicle through them under an agreed value for a specified amount and pay for the amount of mileage you plan on putting on the vehicle. Trust me, give them a call.

http://ncminsurance.com/

[joeydurango]

Hagerty has been great to work with in my experience. They insure my K10 for an agreed-upon amount (much more than the "salvage" price), I can still use it like a truck, and the rates are extremely reasonable.

[vics stuff]

I second JC Taylor for my vintage insurance .
Vic

[El Dorado Jim]

Originally Posted by joeydurango

Hagerty has been great to work with in my experience. They insure my K10 for an agreed-upon amount (much more than the "salvage" price), I can still use it like a truck, and the rates are extremely reasonable.

x2

[57larry]

I'll have to look into the vette insurance plan

[Jeff's72C10*]

I have my 2 Vettes and my 72 C-10 with the National Corvette Museums collector car insurance. All 3 cost me $90 a month, agreed value on each and I think 3k miles a year each.

[darrellyates]

Originally Posted by Jeff's72C10*

I have my 2 Vettes and my 72 C-10 with the National Corvette Museums collector car insurance. All 3 cost me $90 a month, agreed value on each and I think 3k miles a year each.

Classic Collectors insurance. Best i could find locally. They are owned by Infinity Insurance Company.

Do the appraisal. Just makes your life easier. They send the form, you fill out the information and send pictures of everything.

Mine is insured for $85,000 and the cost is $413 annually.

I do have a daily driver, and no young drivers on the policy. There are limits, but mine isn't a daily driver.

Basically, as a specialty vehicle you get a much better rate because you are not going to be getting gravel and sitting it in the parking lot while you are shopping in the mall.

IF you use it as a regular vehicle, insure it as such. You pay more, but have no limits on usage.

Best of luck.

[Old guys rock]

Farmers - no limitations

[Tallguy]

Haggerty for sure. Check them out if you have not already

[GASoline71]

I use USAA as well, and if I am in a wreck, I wouldn't claim it on insurance anyways. Unless I damaged other property or there was bodily harm (to people) done. When my truck met a ditch 5 years ago, I didn't claim anything on insurance and just fixed the truck myself.

Hagerty will do their best to make sure that classic vehicles are fixed to a standard that the vehicle owner is happy with. Whereas some other insurance companies that don't deal with "classic" vehicles won't care to make sure things are all good with a classic vehicle. A lot of body shops don't give a crap about how a classic rig is put together and frankly don't know the first thing about fixing them.

Gary

[Coley]

"...and if I am in a wreck, I wouldn't claim it on insurance anyways"

Why not?
...isn't that what insurance is for?


All good
Coley