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06-26-2018, 02:13 PM | #1 |
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Join Date: Feb 2012
Location: North MS
Posts: 38
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Insurance for Daily Driver C10?
What insurance are you guys using for your trucks? I've been struggling to find a provider that will allow me to register my truck as a daily driver.
Thanks in advance.
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68 GMC 02 Camaro 67 Camaro |
06-26-2018, 02:16 PM | #2 |
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Re: Insurance for Daily Driver C10?
Any insurance company will insure your truck as a daily driver...and they will insure it for a dollar amount that you won’t like, or a premium you won’t want to pay
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1972 C/10 Cheyenne Super SWB. Restored, loaded, slammed. 1968 C/10 50th Anniversary LWB. Unrestored, stock, daily driver/work truck. RIP ElJay RIP 67ChevyRedneck RIP Grumpy Old Man RIP FleetsidePaul |
06-26-2018, 02:59 PM | #3 |
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Join Date: Apr 2011
Location: Klein Texas
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Re: Insurance for Daily Driver C10?
And don't try to make a claim because they won't think your old truck is worth what you think it's worth
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My Classics: '72 K20 Suburban + '65 Dodge Town Wagon '72 Corvette Roadster +'67 Corvette Roadster '73 Z-28 Camaro '63 Ford SWB Uni Pickup '50 Ford Coupe |
06-26-2018, 02:59 PM | #4 |
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Location: Ventura, Ca
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Re: Insurance for Daily Driver C10?
There is no reason any insurance company won't insure your truck as a daily driver. Unless you are talking about classic vehicle insurance which usually has limits on mileage.
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06-26-2018, 03:26 PM | #5 |
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Join Date: Feb 2015
Location: St. Clair, Missouri
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Re: Insurance for Daily Driver C10?
Hello, I carry State Farm liability only for my ride. I figure if i wreck it, I can fix it. The premium is around $90 for 6 months, with my good driver discount, etc.
Tom
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1972 GMC C1500 350/350 1965 Mustang 2+2 289 4spd, show-car 1965 Mustang Coupe 289 4spd, stoplight racer 1/2 dozen Wheelhorse Tractors |
06-26-2018, 04:32 PM | #6 |
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Join Date: Feb 2012
Location: North MS
Posts: 38
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Re: Insurance for Daily Driver C10?
I've tried Nationwide, but since it's a 68 they go through Hagerty. Hagerty won't insure it as a daily and told me they won't reconsider for another year. Grundy declined my truck (probably because it's not nice enough lol). I was trying to keep everything under the same insurance company but it's sounding like that may not be possible.
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68 GMC 02 Camaro 67 Camaro |
06-26-2018, 04:35 PM | #7 |
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Location: Lake Forest, CA
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Re: Insurance for Daily Driver C10?
Aaa
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"Work hard, use your vacation days." 1970 C15 GMC Long Bed 1986 C20 Scottsdale 1983 K2500 Sierra Classic Suburban 6.2 Instagram: C10sofOC |
06-26-2018, 04:52 PM | #8 |
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Join Date: Jan 2018
Location: Durham, North Carolina
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Re: Insurance for Daily Driver C10?
I have Progressive, you can state a value but in a total loss they can use book value which is kind of worthless.
Last edited by cebra; 05-31-2019 at 09:35 AM. Reason: Incorrect Information |
06-26-2018, 05:51 PM | #9 |
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Re: Insurance for Daily Driver C10?
American Family has no trouble with mine.
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'69 Longstep K-10: 327/SM465/T-221/Closed Knuckle Dana44/12-bolt. |
06-27-2018, 03:20 AM | #10 | |
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Re: Insurance for Daily Driver C10?
Quote:
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1970 GMC 2500 700R Trans, RideTech 4 link rear suspension, air bagged on all four corners, factory upper/lower A-Arms, 2 inch drop spindles. 350 SBC 300hp Weiand Supercharger FiTech 30004 EFI |
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06-27-2018, 06:40 AM | #11 | |
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Re: Insurance for Daily Driver C10?
Sounds like you need to check with someone other than Nationwide, or your agent misunderstood you. You want regular insurance and they went with a classics-only provider. The problem I've run into with old vehicles with regular insurance is getting full coverage, but haven't tried in recent years because it really isn't worth it unless the vehicle has a high value. They create a void there... or used to.
Quote:
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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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06-27-2018, 08:41 AM | #12 | |
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Join Date: May 2016
Location: Fort Mohave, AZ
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Re: Insurance for Daily Driver C10?
Quote:
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1970 GMC 2500 700R Trans, RideTech 4 link rear suspension, air bagged on all four corners, factory upper/lower A-Arms, 2 inch drop spindles. 350 SBC 300hp Weiand Supercharger FiTech 30004 EFI |
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06-27-2018, 12:23 PM | #13 |
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Join Date: Apr 2011
Location: Klein Texas
Posts: 3,852
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Re: Insurance for Daily Driver C10?
But that is collector insurance and not daily driver insurance. With collector insurance you also have to have a daily driver insured.
I use American National Chrome for my collector insurance. Rufas that is a good price. I have similar value on my cars and the premiums are $580 a year. And that is with an 18 year old driver in the house.
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My Classics: '72 K20 Suburban + '65 Dodge Town Wagon '72 Corvette Roadster +'67 Corvette Roadster '73 Z-28 Camaro '63 Ford SWB Uni Pickup '50 Ford Coupe |
06-27-2018, 01:55 PM | #14 |
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Join Date: Jun 2018
Location: Winston Salem, NC
Posts: 95
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Re: Insurance for Daily Driver C10?
Added about 9$ a month to put liability insurance on the truck I just bought. My truck isn't worth having a full coverage policy or anything fancy. I now have 4 vehicles on that plan. It is through North Carolina Farm Bureau. I have auto, home, 4 life insurance policies and until the ACA screwed us in 2010 I had 3 health insurance policies with them.
If you were local in NC, I'd highly recommend Jake (but not with State Farm) at the Yadkin County Farm Bureau office for an agent.
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06-27-2018, 02:42 PM | #15 |
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Location: New Orleans, LA
Posts: 184
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Re: Insurance for Daily Driver C10?
Do you want to just get your truck to be legal on the road, plates and registration type insurance, or are you concerned about repairs & replacement if you were to have an incident? As I understand it, those are two very different things.
One key phrase I have heard used is "declared value." But you have to be sure of the terms of your policy, because the insurance company may not pay you the "declared value" if they were to total your truck. Listen to C10 Talk Episode 97 "Appraise & Wreck." Ronnie's guest has a lot of good information on the topic to help you make your decision. http://c10talk.libsyn.com/appraise-wreck
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1972 K10, 350/SM465/NP205, 4 inch lift, 35x12.50s on 15x10 wheels 1976 K20 crew cab, 350/Ranger/SM465/NP205 |
06-29-2018, 04:34 AM | #16 |
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Re: Insurance for Daily Driver C10?
Farm bereau 300.00 a year 100/300 liability
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06-29-2018, 06:24 AM | #17 |
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Location: Fletcher, N.C.
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Re: Insurance for Daily Driver C10?
I have everything at Farm Bureau except one at Hagerty, always been good to me...
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1970 C/10 350/T5 SWB stepper... 1979 Corvette 350/Auto T-top... 2010 Acura RL... 2015 2500HD Z-71 Silverado... |
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