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#1 |
1972 Chevy Cheyenne Super
Join Date: Feb 2009
Location: Oklahoma City, OK
Posts: 302
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My 72 is coming home - What about insurance?
I'll be driving my 1972 Super home next week from the body shop.
It's been a long 4 years. What kinds of options do we have for insurance on these vehicles? I haven't had any insurance on it while it was torn down and being built. Now that I've dumped all this time and money into a project how can I insure it for the true value should the unthinkable happen?
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-Clayton 1972 Cheyenne Super LWB 350 - farm truck restore project - twitter @oldgreen |
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#2 |
Senior Member
![]() Join Date: Oct 2009
Location: Godley, TX
Posts: 17,963
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Re: My 72 is coming home - What about insurance?
if it's a driver - limited options, and you probably want full coverage of course since you just sunk a ton of cash into it. If NOT a DD, then I'd recommend Grundy, have had good luck with them. Several caveats, must be stored in a garage, cannot be your primary vehicle, etc.
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#3 |
Registered User
Join Date: Aug 2012
Location: Junction City, KS
Posts: 782
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Re: My 72 is coming home - What about insurance?
This is who I use http://www.americancollectors.com/
You are required to park it in a garage, storage unit, or something equally fit. You can't drive it over a certain amount of miles a year. Can't tow anything. There are benefit's with them though, such as a parts coverage for break down and tow truck coverage, and they cover car show cost (or something to that affect). I pay $119 a year for mine and it is covered for I think $10,000 right now. I had to provide a pic with it in the garage or in front. They used the pictures to value it. I am almost on my 3rd renewal and haven't had to do anything other than pay them and send a signed policy back.
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Joseph Joe's 69 GMC http://67-72chevytrucks.com/vboard/s...d.php?t=543253 1969 GMC SWB-350 SBC 700R4 2013 Ram 2500 CC Laramie Longhorn Edition-6.7 PPEI EFI Live CSP5 5” ProFlo Exhaust |
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#4 |
Registered User
Join Date: Jul 2012
Location: Moseley, VA
Posts: 164
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Re: My 72 is coming home - What about insurance?
Hagerty is decent too. Tell them how much it's worth, fill out some info and send them some pics and your done. They have a cool "under construction" policy also, which is what I have my truck under currently. You tell them what its worth currently and they bump its value/coverage 3% (I think) every month until you tell them to stop. I have my Chevelle with them also.
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#5 | |
Registered User
Join Date: Aug 2012
Location: Junction City, KS
Posts: 782
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Re: My 72 is coming home - What about insurance?
Quote:
Does Hagerty require you to store your vehicle in a garage?
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Joseph Joe's 69 GMC http://67-72chevytrucks.com/vboard/s...d.php?t=543253 1969 GMC SWB-350 SBC 700R4 2013 Ram 2500 CC Laramie Longhorn Edition-6.7 PPEI EFI Live CSP5 5” ProFlo Exhaust |
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#6 |
Registered User
Join Date: Jul 2012
Location: Moseley, VA
Posts: 164
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Re: My 72 is coming home - What about insurance?
If I remember correctly, you tell them what you expect to drive in a year, how far you plan to go away from home (towing allowance), and where you plan to keep the vehicle. I don't think it had to be garaged but I would think your premium would be based on that. You can get a quote online but they contacted me both times for additional information and pictures of its current condition.
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#7 |
Senior Member
![]() Join Date: Dec 2011
Location: South Carolina
Posts: 2,662
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Re: My 72 is coming home - What about insurance?
They all require a garage or storage unit, no place to put it, no insurance.
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#8 | |
Member
Join Date: Jan 2011
Location: Stuart, Florida
Posts: 459
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Re: My 72 is coming home - What about insurance?
Quote:
Posted via Mobile Device
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1970 CST LB Fleetside, 402 BB, PS, PB,AC 1968 Firebird 400 conv. 1965 Chris Craft 17' wood ski boat (SN #0001) |
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#9 |
1972 Chevy Cheyenne Super
Join Date: Feb 2009
Location: Oklahoma City, OK
Posts: 302
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Re: My 72 is coming home - What about insurance?
Is there a mileage or towing restriction with Haggerty?
Posted via Mobile Device
__________________
-Clayton 1972 Cheyenne Super LWB 350 - farm truck restore project - twitter @oldgreen |
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#10 | |
Member
Join Date: Jan 2011
Location: Stuart, Florida
Posts: 459
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Re: My 72 is coming home - What about insurance?
Quote:
Like others said they want it stored inside and you have to have another vehicle I had to file a claim one time and they were great to deal with. Posted via Mobile Device
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1970 CST LB Fleetside, 402 BB, PS, PB,AC 1968 Firebird 400 conv. 1965 Chris Craft 17' wood ski boat (SN #0001) |
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#11 | |
1972 Chevy Cheyenne Super
Join Date: Feb 2009
Location: Oklahoma City, OK
Posts: 302
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Re: My 72 is coming home - What about insurance?
Quote:
What kind of claim did you have to file? There is no limit on mileage per year? So I can drive 12,000 miles / year if I wanted to do so? When you filed your claim did they ask about mileage, storage, etc? I don't plan on driving my truck all that much, but I never know when I may get the urge to throw some fishing poles in the back and drive to a distant lake.
__________________
-Clayton 1972 Cheyenne Super LWB 350 - farm truck restore project - twitter @oldgreen |
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#12 | |
Member
Join Date: Jan 2011
Location: Stuart, Florida
Posts: 459
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Re: My 72 is coming home - What about insurance?
Quote:
No mileage limits, agreed value, inside storage, can not tow anything and must have another vehicle. I have mine insured at $35,000 and they had no problem with that value. Not sure exactly how much it is since i have multiple vehicles with them.
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1970 CST LB Fleetside, 402 BB, PS, PB,AC 1968 Firebird 400 conv. 1965 Chris Craft 17' wood ski boat (SN #0001) |
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#13 |
Special Order
![]() ![]() Join Date: Nov 2004
Location: Mt Airy, MD
Posts: 85,859
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Re: My 72 is coming home - What about insurance?
Find their website for accurate and up to date info. Haggerty is who I use,too,and it was a simple process. I can't remember why now,but I looked at the others and liked them the most and went that way.
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"BUILDING A BETTER WAY TO SERVE THE USA"......67/72......"The New Breed" GMC '67 C1500 Wideside Super Custom SWB: 327/M22/3.42 posi.........."The '67" (project) GMC '72 K2500 Wideside Sierra Custom Camper: 350/TH350/4.10 Power-Lok..."The '72" (rolling) Tim "Don't call me a redneck. I'm a rough cut country gentleman" R.I.P. ~ East Side Low Life ~ El Jay ~ 72BLUZ ~ Fasteddie69 ~ Ron586 ~ 67ChevyRedneck ~ Grumpy Old Man ~ |
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#14 |
Registered User
Join Date: Aug 2012
Location: Junction City, KS
Posts: 782
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Re: My 72 is coming home - What about insurance?
I looked on there, and couldn't find that info. Maybe I just can't navigate the site very well.
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Joseph Joe's 69 GMC http://67-72chevytrucks.com/vboard/s...d.php?t=543253 1969 GMC SWB-350 SBC 700R4 2013 Ram 2500 CC Laramie Longhorn Edition-6.7 PPEI EFI Live CSP5 5” ProFlo Exhaust |
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#15 |
Registered User
Join Date: Jul 2012
Location: Moseley, VA
Posts: 164
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Re: My 72 is coming home - What about insurance?
found this
Storage Collector vehicles must be stored in an enclosed and secure structure when not in use. Qualifying storage locations include private residential garages, private pole buildings or barns and rental storage units. http://www.hagerty.com/Collector-car...e/Do-I-qualify I remember it asking but maybe if you answered it incorrectly it would decline you coverage?? |
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#16 |
Registered User
Join Date: Aug 2012
Location: Junction City, KS
Posts: 782
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Re: My 72 is coming home - What about insurance?
When I got mine thru American Collector's, they asked for a picture of it in front or in the garage. It is supposed to be stored inside, but during the summer months it spends most of it's time outside and covered up when not being driven. Need to find me a place I can store it cheap so I can free up my garage...lol
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Joseph Joe's 69 GMC http://67-72chevytrucks.com/vboard/s...d.php?t=543253 1969 GMC SWB-350 SBC 700R4 2013 Ram 2500 CC Laramie Longhorn Edition-6.7 PPEI EFI Live CSP5 5” ProFlo Exhaust |
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#17 |
Divorced .....WITH KIDS
Join Date: Dec 2003
Location: mississippi
Posts: 619
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Re: My 72 is coming home - What about insurance?
I'm with american collector , I told them what I felt my truck was worth . They agreed after pics . I paid quote . Limited miles, enclosed garage etc , and nothing hauled in bed . I have only bn with several months , so experience on claims or anything like that.
Posted via Mobile Device
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1969 GMC SWB 1975 Chevy Malibu 80k 1963 Ford Galaxie 63k (inherited) 2005 Nissan Armada (wife's idea) |
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#18 | |
Registered User
Join Date: Aug 2012
Location: Junction City, KS
Posts: 782
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Re: My 72 is coming home - What about insurance?
Quote:
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Joseph Joe's 69 GMC http://67-72chevytrucks.com/vboard/s...d.php?t=543253 1969 GMC SWB-350 SBC 700R4 2013 Ram 2500 CC Laramie Longhorn Edition-6.7 PPEI EFI Live CSP5 5” ProFlo Exhaust |
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#19 |
Divorced .....WITH KIDS
Join Date: Dec 2003
Location: mississippi
Posts: 619
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Re: My 72 is coming home - What about insurance?
So no experience on claims
Posted via Mobile Device
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1969 GMC SWB 1975 Chevy Malibu 80k 1963 Ford Galaxie 63k (inherited) 2005 Nissan Armada (wife's idea) |
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#20 |
Registered User
Join Date: Jun 2011
Location: Osceola, Ia
Posts: 2,017
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Re: My 72 is coming home - What about insurance?
[QUOTE=cedorris;5636047]I'll be driving my 1972 Super home next week from the body shop.
It's been a long 4 years. You better post some pictures!! ![]() Posted via Mobile Device
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Shawn 68 chevy K/20 05 chevy 3/4 4x4 71 short step-sold ![]() 71 chevy Beauville van My build. http://67-72chevytrucks.com/vboard/s...d.php?t=633039 |
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#21 |
Florida Edition
![]() ![]() Join Date: Oct 2010
Location: Fruitland Park, FL
Posts: 4,025
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Re: My 72 is coming home - What about insurance?
I just signed up with Hagarty also. $35K full coverage (agreed value), 0 deducable, lockable garage storage, 5K mileage limit and I am allowed to tow my restored Scotty camper to shows etc. So it just depends on individual wants/needs and what you can get them to agree to I guess. At first they didn't want to let me pull the Scotty until I said "Ok, thanks. I'll find someone that will as I see these at shows all the time". The agents response: "Wait, I uuu, let me see here...oh, ok...yes, we can do that. Just to shows. "And camping" I said. "Camping?" The agent said. "Yes...its a camper". "Oh, I see" she said "Ok....that will be ok, is there anything else?" "No thats all, thanks". And that was it, done deal.
Now how about those pics....
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70 GMC Short Stepside "Rose"-An American Beauty: Factory 402/TH400, AM/FM, AC, Tilt, Tach, Buckets, Posi, PS, PB, 3-5 Drop, Complete Resto-Rod 67 C-20 Slant Back Wrecker "Mad Max" 67 C-10 Ratrod "Step-N-Wolf" 71 Serro Scotty Sportsman camper "Scotty" 97 LT1 Z28 "The Hornet" Link to more pics of "Rose" http://67-72chevytrucks.com/vboard/a...p?albumid=1684 Check out my "Cheap Tricks" thread and add to it if you can, lots of good info there. http://67-72chevytrucks.com/vboard/s...d.php?t=489394 |
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#22 | |
1972 Chevy Cheyenne Super
Join Date: Feb 2009
Location: Oklahoma City, OK
Posts: 302
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Re: My 72 is coming home - What about insurance?
[quote=sboris;5637624]
Quote:
Check 'em out: http://67-72chevytrucks.com/vboard/s...83#post5637783
__________________
-Clayton 1972 Cheyenne Super LWB 350 - farm truck restore project - twitter @oldgreen |
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#23 |
Registered User
Join Date: Aug 2012
Location: Junction City, KS
Posts: 782
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Re: My 72 is coming home - What about insurance?
Hagerty only expects you to drive your collector only 2000-3000 miles a annually. You have to watch the underwriting guide lines and fine print. I talked to one of there rep's on there online chat. And referred me to this link: http://www.hagerty.com/classic-car-a...is-limited-use
I haven't put 500 miles on my truck yet since I have had my insurance (partly cause I am always adding something to make it better). But I like having a set mileage of 7500 miles called Freedom Tier Plan which means I can use my truck for more general transportation more often. Though, I don't expect to with 3 daily drivers sitting in the drive way. There are several companies to go thru. I suggest calling, getting quotes, ask them what and what you can not do. Then go with the best quote to coverage and driving style. I did a lot of calling before I choose who I went thru. I only found one company out of around 7 I called, that the rep gave me there personal office number to so I could get my questions answered by the same person. Then she gave me her email address for sending the required pictures, instead of sending thru the site email. That's the customer service I look for. Good luck finding a insurance company.
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Joseph Joe's 69 GMC http://67-72chevytrucks.com/vboard/s...d.php?t=543253 1969 GMC SWB-350 SBC 700R4 2013 Ram 2500 CC Laramie Longhorn Edition-6.7 PPEI EFI Live CSP5 5” ProFlo Exhaust Last edited by GMCJOE; 10-09-2012 at 01:58 PM. |
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#24 |
Member
Join Date: Jan 2011
Location: Stuart, Florida
Posts: 459
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Re: My 72 is coming home - What about insurance?
I must have a different type policy with them (Hagerty). I have 3 vehicles with them and I've never ever had to give them any mileage info. Usually on limited mileage policy's you have to give them your mileage every year at renewal time.
Maybe I should ask them if it's cheaper to have a mileage deal... heck, i'd change in a heart beat to save some money.
__________________
1970 CST LB Fleetside, 402 BB, PS, PB,AC 1968 Firebird 400 conv. 1965 Chris Craft 17' wood ski boat (SN #0001) |
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#25 |
Registered User
Join Date: Aug 2012
Location: Junction City, KS
Posts: 782
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Re: My 72 is coming home - What about insurance?
Yeah, I am always checking around to see who will give me the better rates, coverage, and such. I don't think I will hit my mark of mileage, but who knows... Might hit the lotto and decide to drive it to as many event as I can...lol
I renew my policy online (American Collector's). I get the paperwork, sign it and return it. I do have the option of changing my policy when they send the paper work. But I can just do it online, not sure that it would drop my $119 a year payment buy much though. I will have to check around March time frame.
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Joseph Joe's 69 GMC http://67-72chevytrucks.com/vboard/s...d.php?t=543253 1969 GMC SWB-350 SBC 700R4 2013 Ram 2500 CC Laramie Longhorn Edition-6.7 PPEI EFI Live CSP5 5” ProFlo Exhaust |
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