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07-18-2005, 02:01 AM | #1 |
Registered User
Join Date: Dec 2003
Location: NW New Mexico
Posts: 236
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Insurance for Classic Trucks
Hello,
I'm looking for an insurance company that can offer excellent coverage for my classic '68 Chevy Truck. My current insurance company will only cover the "Actual Book Value", but it doesn't take into account new parts added or new paint job. Any suggestions will be greatly appreciated. Thanks, Leroy
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'68 Chevy Truck C10 LWB 292 engine 3spd Tranny Everything Stock except for shaved bodywork. '72 Chevy Truck Custom Deluxe 2WD LWB 350/350 HEI Tilt PS AC Dual Exhaust Last edited by Ice68; 07-18-2005 at 02:07 AM. |
07-18-2005, 06:31 AM | #2 |
1969 Custom 30 wrecker
Join Date: Sep 2001
Location: Pottsville, Pa
Posts: 2,611
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Check out Hagerty's. They offer agreed value protection. Also, you only pay once for some items on the first vehicle so if your like me and have a few on, you can save alot of dough!
I just added my 3rd car on with them.
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Bob 63 Impala 283/PG/3.36 (under restoration) 66 Impala 327/PG/3.36 66 Chevelle SS 409/M22/3.55 69 Chevelle 307/PG/3.08 (future restoration) 69 C10 short stepside 454/TH350/3.73 69 Custom 30 tow truck 350/4 spd/4.10 (resto done, CRUISIN TIME!) 71 Cheyenne 20 fleetside 350/4 spd/4.10 71 Chevelle 6/PG/3.08 72 Chevelle 454/M21/4.10 |
07-18-2005, 06:45 AM | #3 |
Just like to part out trucks!!
Join Date: Nov 2001
Location: Meriden, Ks-North of Topeka 10 miles
Posts: 27,395
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I have my 67 4x4 with Continental Western Group its insured for 10K and costs $218 a year, limit of 1000 miles a year and must be garaged.
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67 Chev swb stepside 4x4 283 4 speed SOLD 72 blazer 4x4 4 speed Cheyenne 72 GMC swb 4x4 fleet 4 speed, original paint 1958 Cameo (one of 1405 built, it was my dads) 2020 chevy Apex 4x4 crew cab 1969 Z28 with the 302 1980 chevy swb 4x4 1964 chevell Malibu SS 1976 K20, sold new originally out of my dads chevy dealership Members that I've met, over 200 probably closer to 300 in the 12 years I've been on this site, everyone I met "It was a pleasure" |
07-18-2005, 07:26 AM | #4 |
67-72 Addict!
Join Date: Feb 2002
Location: The TAX State!
Posts: 7,856
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I have northeast classic insurance on my 70' for 10 grand at a cost of $119 per year. Must be garaged and age 26 or over. Cheapest I have found so far. I had to email about 5 pics of the truck and I'm limited to 3000 miles per year but they offer other mileage plans.
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Jim 1970 C/10 Fleetside w/Ghost Flames Lowered 4.5" front and 4" rear (Raked) 355/350 Turbo w/shift kit 10" Redneck Performance Verter w/2500 stall Hooker Super Comps part#2808-1 Performer RPM Air-Gap 12 Bolt w/3:73 gears- Eaton Posi Comp Cams XE262 with 1.6 Crane Energizers, Road Demon 625 and Brodix IK 180 heads |
07-18-2005, 11:21 AM | #5 |
Registered User
Join Date: Jan 2002
Location: Henderson, NV
Posts: 358
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I have Grundys, $10,000 value $175 a year no mileage limit as long as it's for a car related function and that includes taking it for a drive. It has to be garaged also.
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1980 Chevy Shortbed Pickup 1969 Z28 engine Turbo 350 |
07-18-2005, 02:07 PM | #6 |
I make Models
Join Date: May 2005
Location: Bucks, PA
Posts: 626
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The book all of the insurance companies go by is NADA....they actually have a pretty good "book value" on our trucks......look under collectors cars @ http://www.nada.com any specialty insurance will be cheaper but you give up your right to use it as a truck.....Good luck.....Paul
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07-18-2005, 02:31 PM | #7 |
Lovin' Life in Miss.!
Join Date: Mar 2004
Location: Puckett, Mississippi
Posts: 1,937
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Wow! I am between 8 and 18K! I'm cool with those #'s.
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The truck... you hear that? No really, you did hear that?!!! |
07-18-2005, 03:55 PM | #8 |
Registered User
Join Date: Nov 2003
Location: kc
Posts: 229
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i have hagerty 15000 agreed value @140.00 per year. must ba garaged and used for pleasure only.
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71 C10 SWB BLACK AND WHITE 350 CRATE TH350 ENJOY LIFE |
07-18-2005, 10:47 PM | #9 |
Registered User
Join Date: Mar 2005
Location: 10-Uh-See
Posts: 5,609
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I'm with ANPAC. $12,000 coverage 160 a year. Allowed 7500 miles a year.
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07-18-2005, 10:52 PM | #10 |
Registered User
Join Date: May 2004
Location: Lakeville, MA
Posts: 154
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I tried Hagerty, but in Mass. the truck cannot be modified (more than 50 horsepower over stock) so I am out of luck. I'm going to have to try some of the other companies. I would like to be able to drive it whenever its nice outside.
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1967 Chevy C10 Stepside - Vortech supercharged - Currently for sale |
07-18-2005, 11:38 PM | #11 |
Registered User
Join Date: Nov 2004
Location: san bernardino, ca
Posts: 240
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ive been looking forever for one, since I have a dui its hard. I have mercury right now but they dont cover the truck for ****.
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07-18-2005, 11:47 PM | #12 |
i love summertime
Join Date: Jul 2002
Location: Kelowna BC
Posts: 4,302
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you guys all have great deals compared to me, i pay roughly 575 bucks for 6 months. and thats only got book value, up here guys get their trucks appraised and then you are covered for every dollar you have in the truck
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1967 shortbox stepside Chevy, 365 hp 327, th400. GLOVE BOX LIGHTS FORSALE, click link for info http://67-72chevytrucks.com/vboard/s...d.php?t=273724 |
07-19-2005, 11:09 AM | #13 |
Registered User
Join Date: May 2004
Location: Chandler, AZ
Posts: 519
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Here's my insurance story: Classic auto insurance from an outfit like Hagerty is pretty reasonable. They insure your ride for an agreed value but they limit your mileage & use. I couldn't live with limited miles, so I had the truck appraised ($14,000.00! Surprised the Hell out of me!) and insured it with MetLife for a stated value for about $700.00 (full coverage) a year here in Phoenix. That means it starts out worth that much and depreciates from there. I'm going to get it appraised every other year or when I do something major (like the Old Air unit I just slapped on! ) to upgrade it. Least this way if it gets cubed, I can buy another one from one of you guys and start over.
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69 C-10 LWB, 350, 700r4, 3.73 posi-traction, front disc brakes. Built for the desert- She can take the heat! Vivat Rex Chevus! |
07-19-2005, 11:23 AM | #14 |
Hittin E-Z Street on Mud Tires
Join Date: Nov 2004
Location: Greenville, SC
Posts: 23,090
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I have a question for all the people who have said that their vehicle "must be garaged." Does that mean there is some sort of clause that if the vehicle is sittin on your property, say your driveway, and someone either steals it, or vandalizes it, you won't be covered, because it wasn't "in the garage"? I've always wondered about that.
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Jesse James 1967 C10 SWB Stepside: 350/700R4/3.73 1965 Ford Mustang: 289/T5-5spd/3.25 Trac-Loc 1968 Pontiac Firebird: Project Fire Chicken! 2015 Silverado Double Cab 5.3L Z71 2001 Jeep Wrangler Sport 4.0L 5spd 2020 Chevrolet Equinox Premium 2.0L Turbo 2011 Mustang V6 ~ Wife's ride American Born, Country by the Grace of God 1967 CST Shop Truck Rebuild! My 1967 C-10 Build Thread My Vintage Air A/C Install Project "On a Dime" Trying my hand at Home Renovation! 1965 Mustang Modifications! |
07-19-2005, 11:40 AM | #15 |
Registered User
Join Date: Jan 2002
Location: So Cal
Posts: 658
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Good question. I will find out as I just applied for Haggerty. Quoted premium is $173 for $20,000 agreed value. I was paying Safeco about $600 for a vehicle I drive less than 1,000 miles a year at an agreed value of $9,000.
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07-19-2005, 12:31 PM | #16 |
Registered User
Join Date: Jan 2002
Location: Henderson, NV
Posts: 358
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I believe it must be stored in a garage at night. It can't be left outside all the time. If you have it parked in your driveway and gets ripped off it's covered.
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1980 Chevy Shortbed Pickup 1969 Z28 engine Turbo 350 |
07-19-2005, 12:36 PM | #17 |
Registered User
Join Date: May 2005
Location: Beauregard, AL
Posts: 64
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When you guys it can't be used as a "work" truck, do you mean using it in a business, or do you mean it can't be used to do work (i.e., hauling home supplies from Lowes, taking trash to dump, moving furniture for buddy, etc.)?
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------------------------------------- Tim '67 C/10, '04 Tahoe ------------------------------------- |
07-19-2005, 01:36 PM | #18 |
Registered User
Join Date: Jun 2003
Location: Ponder, TX
Posts: 33
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I was looking at Hagerty's for my 67, but when I called, I found out that the truck would not be covered if you do any hauling (that includes trips to Home Depot) or are pulling a trailer. The vehicle also needs to be stored overnight in a locked garage/workshop (which isn't a prob for me). Since I want the utility of a truck, they were a no go. I recently bought a new car, so I needed to find cheaper insurance. State Farm was sucking over $800 outta me every 6 month on 2 cars and the truck, with no collision coverage and clean driving records with no claims. Even worse, it was going to cost an additional $360 for the new car for just six months. OUCH!!! After comparing several companies, I ended up going with Progressive. They are 1/2 of what State Farm was wanting with the same coverage. I've got 3 cars and the truck, all with $100K/$300K liability & uninsured, comp with $100 ded, and collision with $1000 ded on new car (02 Buick Regal GS). Best part is, it is less than $1200 per year for all the vehicles. (That's if they don't raise their rates after six months ).
I had been with State Farm for over 22 years, but $100 a month difference is something I couldn't overlook.
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'67 1/2 Ton Short Bed / 396 cid / AC w-R134a / 5 Lug Leaf spring rear axel / 5 Lug Frt Disk Brake Conversion '97 Trans Am - Black / LT-1 / K&N FIPK Cold Air Kit / Hooker Cat-Back Exhaust / 160 Thermostat '02 Buick Regal GS / Bone Stock |
07-19-2005, 01:43 PM | #19 |
Watch out for your cornhole !
Join Date: Jun 2003
Location: Azle, Texas
Posts: 14,162
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I use Haggerty on my old cars.
People say Haggerty has a yearly mileage limit. All I know is they have never asked me for an odometer reading, ever. I figure they must not worry too much about mileage.
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I'm on the Instagram- @Gearhead_Kevin |
07-19-2005, 02:06 PM | #20 |
Registered User
Join Date: Sep 2003
Location: Arizona
Posts: 305
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I too use Hagerty, and when I signed up, they never asked for an odometer reading. I just had to show proof of insurance for mine and my wife's daily drivers. I think they figure if you have other vehicles as your daily drivers, you're not going to drive it that much.
Personally, I'd rather have my other vehicles get banged up then my old truck. I take it to weekly shows on the weekends, and I'm allowed to use it for pleasure drives. Now, if I was to take it to lowes to pick up lumber or something and some idiot smashes into me, I'm basically screwed. That's what my other pickup's for demi |
07-19-2005, 02:31 PM | #21 |
Weekend Warrior
Join Date: Oct 2004
Location: CT
Posts: 1,787
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Hagerty
I have Hagerty on my '33 Ford
I found it interesting that in MASS they won't let it be 50 horse over stock. I bet they would insure it if you insured it as a "hot rod" or modified. Cause I'm insured in Rhode Island with hagerty on the '33 and i'm pretty sure the 396 chevy has more than 50 Horse than the original 4cylinder or 8cylinder for that matter.
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-'07 GMC Sierra K2500HD -'66 C10 Suburban -'68/'71 K20 Service Bed Project -'69 Chevy C30 Mason Dump -'33Ford P/U 396ChevyPowered |
07-19-2005, 03:05 PM | #22 | |
Weekend Warrior
Join Date: Oct 2004
Location: CT
Posts: 1,787
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Quote:
I just read through my Hagerty policy and it doesn't say that they would exclude coverage (not cover your vehicle) if it wasn't in a garage. So if it had to live outside for a night or you were @ a show over night then there should be no problem. they just don't want it living outside 24/7 as it is a much greater liability to them. That's my opinion on the subject, I have to call them anyway to change my garaging address so when i do i'll ask about that and see what Hagarty's policy on that is.
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-'07 GMC Sierra K2500HD -'66 C10 Suburban -'68/'71 K20 Service Bed Project -'69 Chevy C30 Mason Dump -'33Ford P/U 396ChevyPowered |
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07-19-2005, 03:28 PM | #23 |
Registered User
Join Date: Jan 2002
Location: Henderson, NV
Posts: 358
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If you are on your way to Lowes for lumber and get hit thats when you tell the insurance company that you were on your way to get the front end aligned or the AC charged.
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1980 Chevy Shortbed Pickup 1969 Z28 engine Turbo 350 |
07-19-2005, 04:46 PM | #24 |
Senior Member
Join Date: Apr 2005
Location: Joppa, Maryland
Posts: 4,408
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I've been with "American Collectors Ins." for ages now and have never had a problem. I have a $5000.00 full coverage/no deductable for $79.00 a year. I put in a claim 6 months ago for a broken windshield and all the wanted was an extimate and a picture of the damage.
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1997 GMC Sierra Ext 1965 Mustang |
07-19-2005, 04:55 PM | #25 | ||
Hittin E-Z Street on Mud Tires
Join Date: Nov 2004
Location: Greenville, SC
Posts: 23,090
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Quote:
Quote:
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Jesse James 1967 C10 SWB Stepside: 350/700R4/3.73 1965 Ford Mustang: 289/T5-5spd/3.25 Trac-Loc 1968 Pontiac Firebird: Project Fire Chicken! 2015 Silverado Double Cab 5.3L Z71 2001 Jeep Wrangler Sport 4.0L 5spd 2020 Chevrolet Equinox Premium 2.0L Turbo 2011 Mustang V6 ~ Wife's ride American Born, Country by the Grace of God 1967 CST Shop Truck Rebuild! My 1967 C-10 Build Thread My Vintage Air A/C Install Project "On a Dime" Trying my hand at Home Renovation! 1965 Mustang Modifications! |
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