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02-19-2020, 01:04 PM | #1 |
Registered User
Join Date: Feb 2020
Location: Little Rock, Arkansas
Posts: 13
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any recommendations for insurance?
I've had the hardest time finding insurance for my '72 as my daily driver. Well, now I'm getting my car back from my son and will be using that as my DD. Can anyone recommend a classic car insurance that doesn't need odometer readings (doesn't work) and is okay with a carport vs. a garage. And rea$onable. I'll still be driving it at least once a week. Thank you!
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02-19-2020, 01:32 PM | #2 |
Registered User
Join Date: Apr 2018
Location: Austin
Posts: 75
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Re: any recommendations for insurance?
i used hagerty. they were one of the few that were good when i parked it in the driveway.
Then they lowered my rate when i moved it to storing it in the garage. i dont remember odometer restrictions either. |
02-19-2020, 02:01 PM | #3 |
Senior Member
Join Date: Aug 2018
Location: Western Colorado
Posts: 1,165
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Re: any recommendations for insurance?
Here's the most recent discussion about it. https://www.67-72chevytrucks.com/vbo...d.php?t=799691
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1964 Chevy C10 - Gen IV 5.3 Restomod http://67-72chevytrucks.com/vboard/s...d.php?t=768632 1968 GMC C15 - Gen III 6.0 Restomod http://67-72chevytrucks.com/vboard/s...d.php?t=772047 1969 Chevy C10 - Restoration http://67-72chevytrucks.com/vboard/s...d.php?t=809184 1978 Chevy Scottsdale K20 1993 Chevy C1500 - 5.3/T56 swapped 2008 Silverado Duramax |
02-19-2020, 02:26 PM | #4 |
Senior Member
Join Date: Sep 2014
Location: Wenatchee, Wa
Posts: 929
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Re: any recommendations for insurance?
Hagerty for me is $600.00 a year based upon $35,000.00 value and limited driving.
The carport you have is considered covered storage (I think?). Let us know what you come up with |
02-19-2020, 02:41 PM | #5 | |
Registered User
Join Date: Feb 2020
Location: Little Rock, Arkansas
Posts: 13
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Re: any recommendations for insurance?
Quote:
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02-19-2020, 04:04 PM | #6 | |
Registered User
Join Date: Feb 2019
Location: Navarre, Florida
Posts: 199
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Re: any recommendations for insurance?
Quote:
Mine was 1k a year. I went ahead and listed the teenage driver in the house as someone who may drive the vehicle though. I think that is what bumped it up as it was saying initially around 600. |
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02-19-2020, 04:24 PM | #7 | |
Senior Member
Join Date: Sep 2014
Location: Wenatchee, Wa
Posts: 929
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Re: any recommendations for insurance?
Quote:
I know they don't like a primary daily driver type scenario but didn't need an odometer reading which surprised me. Overall very happy with their fast response without insane hold time. |
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02-19-2020, 04:34 PM | #8 |
Old member
Join Date: Jan 2002
Location: Liberty, & Garden City S.C. , U.S.
Posts: 19,945
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Re: any recommendations for insurance?
AMERICAN COLLECTORS insurance. Same coverage as the other also. My 71 C 10, 56 Bel Air and the 64 SS Impala all valued at $30,000 each. Less than $600. a year no mileage.
They saved me over $300.00 per year over Hagerty's & Grundy. I'm very pleased with them. Hagerty dropped me after one year because of my son who wasn't even on the policy. He had his own insurance.
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1971 LWB Custom, 6.0LS & 4L80E, Speedhut.com GPS speedometer & gauges with A/C. 20" Boss 338's Grey wheels 4 wheel disc brakes. My Driver Seeing the USA in a 71 Upstate SC GM Truck Club 2013,14 and 2016 Hot Rod Pour Tour http://upstategmtrucks.com/ Get out and drive the truck this summer and have some fun! It sucks not being able to hear! LWB trucks rule, if you don't think so measure your SWB! After talking to tech support at Air Lift I have found out that the kit I need is 60811. Per the measurements I gave them. Ride height of truck inside spring and inside diameter of springs. |
02-19-2020, 05:01 PM | #9 |
Registered User
Join Date: Jan 2018
Location: Durham, North Carolina
Posts: 782
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Re: any recommendations for insurance?
[QUOTE=jcurran4;8681066]I've had the hardest time finding insurance for my '72 as my daily driver. QUOTE]
Good luck, mine is valued at $600 NC tax value price and $30K stated value. What that means is it gets hit my uninsured driver, I wreck it, swept away in a flood, or stolen I get $600 and a salvage title. Someone hits me with insurance I get up to $30K. The daily driver is the key, there is no available classic insurance for a truck that is driven and no regular insurance co will give you full coverage on a classic that anyone has found yet that I am aware of. I have a very long post about this from a month or so ago where everyone replied and the conclusion was it doesn't exist.
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My Daily Driver Build: http://67-72chevytrucks.com/vboard/s...d.php?t=755668 |
02-19-2020, 05:21 PM | #10 | |
Registered User
Join Date: Feb 2019
Location: Navarre, Florida
Posts: 199
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Re: any recommendations for insurance?
Quote:
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02-19-2020, 05:24 PM | #11 |
Senior Member
Join Date: Apr 2016
Location: Cypress, TX
Posts: 3,859
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Re: any recommendations for insurance?
I would like some insurance other than just liability, but since my truck looks like a rust bucket I know an insurance company would not cover the $5000 that the engine and transmission and drivetrain work cost me. So, I suppose if I put $80/month in a savings account instead of giving it to an insurance company, I would be fully-enough self-insured after 4 or 5 years. I wish I had discipline enough to do that. The whole point of my truck is to drive anywhere I want, including to my work at an office building 3 or 4 times per week. I don't need any denied claim and cancelled insurance BS because I file for a loss in the parking lot or on the turn in to work, which is probably where my luck would lead me to have an accident. Classic car insurance does not want to cover a truck being used to go to work.
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02-19-2020, 05:58 PM | #12 |
Registered User
Join Date: Jul 2018
Location: Catskill Mountains,NY
Posts: 8,716
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Re: any recommendations for insurance?
Wow . I have 8 cars with them my chevelle is valued at 40k and the AMX and my Hawk are at 27 and 30 . The others from 5 to 15 k and its $1200 a year . 100 dollar deductibles and 250/500 liability.
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Mark 72 c20 custom camper Husky edition, 66 SS396 Chevelle 1964 Hawk, 63 Avanti,62 lark 1969 AMX , 1968 c20 stepside ,85 K20 1977 Suburban sold 68 anniversary. |
02-19-2020, 06:09 PM | #13 |
Senior Member
Join Date: Sep 2014
Location: Wenatchee, Wa
Posts: 929
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Re: any recommendations for insurance?
[QUOTE=72c20customcamper;8681186]Wow . I have 8 cars with them my chevelle is valued at 40k and the AMX and my Hawk are at 27 and 30 . The others from 5 to 15 k and its $1200 a year . 100 dollar deductibles and 250/500 liability.[/QUOTE
I have 0 deductible and live in WA State.....no clue if that makes a difference? |
02-19-2020, 06:51 PM | #14 | |
Registered User
Join Date: Jul 2018
Location: Catskill Mountains,NY
Posts: 8,716
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Re: any recommendations for insurance?
[quote=MySons68C20;8681191]
Quote:
__________________
Mark 72 c20 custom camper Husky edition, 66 SS396 Chevelle 1964 Hawk, 63 Avanti,62 lark 1969 AMX , 1968 c20 stepside ,85 K20 1977 Suburban sold 68 anniversary. |
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02-19-2020, 07:45 PM | #15 |
Registered User
Join Date: Jun 2018
Location: Munising,Mi
Posts: 360
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Re: any recommendations for insurance?
I just price out my 68 at $35,000 agreed value for $485 a year .. up to 5000 miles , garaged , not a daily driver , clean record . They were $150 less than Hagerty .
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02-20-2020, 01:05 PM | #16 |
Senior Member
Join Date: Feb 2009
Location: Northern Nevada
Posts: 7,323
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Re: any recommendations for insurance?
Hagerty for both trucks is in the $500 range. One is insured for 35K, the other around 6K. Salvage rights on the nice one, and parts coverage too. They'll even insure your tools.
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Tony 71 Custom Deluxe, SWB, 2WD, 402, A/C. I developed an assembly kit for restoring the (a) truck from the ground up. My build thread, and more on the assembly kit https://67-72chevytrucks.com/vboard/...d.php?t=730025 |
02-20-2020, 09:15 PM | #17 |
Registered User
Join Date: Jun 2018
Location: Munising,Mi
Posts: 360
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Re: any recommendations for insurance?
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02-26-2020, 11:51 AM | #18 |
Registered User
Join Date: Feb 2020
Location: Little Rock, Arkansas
Posts: 13
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Re: any recommendations for insurance?
Here's the result of my calling around/online quotes:
Not one "classic" insurer would insure it as a daily driver. It just doesn't exist. And no one but Hagerty would insure my truck without it being in a garage. Having it in a one-sided carport instead of a garage upped the yearly cost with Hagerty from $344 to $399. That's with a $1,000 deductible and a value of $21,000. Because I'll be taking it to a local shop for some restoration work, they're charging me $20/year additional for "under construction" coverage, which pays out a higher value if it's damaged while at the shop. When it's done, I will call them and get the value raised and the UC coverage dropped. All in all, I'm happy with this result... once I gave up on the daily driver notion, which in this cold winter I'm okay with. Thank you all! Jill |
02-26-2020, 01:26 PM | #19 | |
Registered User
Join Date: Jan 2018
Location: Durham, North Carolina
Posts: 782
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Re: any recommendations for insurance?
Quote:
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My Daily Driver Build: http://67-72chevytrucks.com/vboard/s...d.php?t=755668 Last edited by cebra; 02-26-2020 at 01:27 PM. Reason: add color |
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02-26-2020, 01:32 PM | #20 |
Registered User
Join Date: Apr 2003
Location: NB
Posts: 3,367
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Re: any recommendations for insurance?
$158 a year! What a country!
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1968 Chevy C10 307 3ott fleetside 1967 Chevy C/10 V8, 3spd, fleetside lwb.Sold 1967 Chev C/10 step, 383, M21. SOLD |
02-26-2020, 01:39 PM | #21 |
Registered User
Join Date: Feb 2020
Location: Little Rock, Arkansas
Posts: 13
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Re: any recommendations for insurance?
I had to say what I use it for, which will be shows/parades and pleasure driving. It can't be a daily driver and it can't be raced, etc. So they don't have mileage restrictions per se, and they tout that as one of their positives.
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02-26-2020, 05:46 PM | #22 |
Registered User
Join Date: Aug 2019
Location: Aiea,HI
Posts: 187
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Re: any recommendations for insurance?
Does each driver in the home have to have their own vehicle besides what you are insuring with Hagerty?
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