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#1 |
aka TEX-TOY
Join Date: Jan 2007
Location: Kentucky
Posts: 127
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Insurance questions......
Who are you guys using for your full coverage insurance..... Are you using collectors insurance or just full coverage?
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1969 Chevy C10 SWB w/ disk brakes and soon to be lowered with spindles and springs!!!! Getting a paint job like a Army Chinook Helicopter!!!! HOOKERS RULE!! ![]() BRAND NEW WIFE BOUGHT IT FOR ME AS A WEDDING GIFT!!! SHE IS THE BOMB!!!!!! ![]() |
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#2 |
The Older Generation
![]() ![]() ![]() Join Date: Aug 2006
Location: Montezuma, Iowa
Posts: 25,518
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Re: Insurance questions......
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I have all of my oldies insured through American Family Ins. I haven't had any claims yet so the jury is still out on that..... ![]() LockDoc
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Leon Locksmith, Specializing In Antique Trucks, Automobiles, & Motorcycles (My Dually Pickup Project Thread) http://67-72chevytrucks.com/vboard/s...d.php?t=829820 - |
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#3 |
Registered User
Join Date: Apr 2006
Location: MinneSNOWta
Posts: 1,381
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Re: Insurance questions......
What is full coverage?
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2003 GMC Sierra 1500 WT 1995 Nissan Hardbody 2016 Hyundai Veloster Turbo DC2 (SW/AW) Clyde W. Harvey USN "Socialism is a philosophy of failure, the creed of ignorance, and the gospel of envy, its inherent virtue is the equal sharing of misery" Winston Churchill |
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#4 |
Spanked once
![]() Join Date: Oct 2006
Location: Intheshop, Indiana
Posts: 969
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Re: Insurance questions......
Mine was insured under Farmers ins. and since it now in pieces I called and had it cancelled , but the insurance agent did tell me when I was ready to re-up to use Haggerty's through them because it is cheaper and less hassle for claims. I will just have to have it reappraised.
I like cheaper...Richard |
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#5 |
Spanked once
![]() Join Date: Oct 2006
Location: Intheshop, Indiana
Posts: 969
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Re: Insurance questions......
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#6 |
Too many projects
Join Date: Mar 2004
Location: Fargo, ND land of the flat hills
Posts: 1,147
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Re: Insurance questions......
Hagerty for my pickup and dad's 69 Camaro, good company.
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Andrew 84 GMC C1500 SWB 6.2 Diesel/700R4/3.42 "Grandpa's odd duck" |
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#7 |
Registered User
Join Date: Nov 2005
Location: VIRGINIA
Posts: 905
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Re: Insurance questions......
america classic car insurance for my 2 cars, had to take em to my agent to take pics he sends the pics in to make sure the cars are worth what im insuring em for 17,000 each cost 112 x 2. my truck is on reg full coverage right now till i get all the bugs worked out
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1969 rs 1966fastback 1969swbc/10 2006gt 1972swb4x4 |
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#8 |
Next project: 1970 K10
Join Date: Feb 2004
Location: Fort Collins, Colo 80524
Posts: 6,685
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Re: Insurance questions......
I use State Farm for everything I have insured...home, vehicles, personal libility policy, personal property, etc. When I first bought mine in Feb 2004, I just had basic liability on it until it was finished and started driving it. I called on a Wednesday and upped it to full coverage (had to take it by their office so they could examine it). Go into the wreck on that following Sunday, had a check in my hand on Tuesday.
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Bob 1970 Chevy K10 LWB "Goldie" 350/TH350 next project!! 1981 Chevy C10 LWB 355/TH350 - My son's truck LS SWAP FORUM! Tons of LS swap info here! PLEASE CLICK HERE TO SUPPORT THE GREATEST BOARD ON THE NET! CLICK HERE FOR THE FAQ INDEX by KRUE |
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#9 |
Junior Member
Join Date: Mar 2007
Location: Hideaway, TX
Posts: 4,950
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Re: Insurance questions......
I have been an agent for almost twenty years and althought I have not sold stricktly antique/collector car insurance I call tell you a few thinks you need to know. I currently work for a Nationwide agent and they will allow you to put your antique on your regular policy as long as there is one more cars than drivers and it is not going to be a daily driver. You will want to find out how your claim will be paid in the event of a total loss. Would it be actual cash value, state amount or agreed value? This stuff can be tricky so make sure you know what you've got before you need to use it. Also many companies that write only these type vehicles for a low premium do not usualy allow you more than 2500 miles per year so no daily drivers. The other thing you guys need to check into is if your homeowners policy covers your vehicles parts while you have it in pieces during a restoration or customization. I know Nationwide will not cover my $5k plus in parts that are not installed nor the truck while the is no motor or tranny under my homeowners policy. I have no coverage if my shed burns down which is kind of scary. Hope this helps a little.
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71 Suburban 350/700R4 Project Trixie 72 CHEVY,Highlander,SWB,396,T400 Last edited by BB72CHEVKT; 04-26-2007 at 10:59 AM. |
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#10 | |
Spanked once
![]() Join Date: Oct 2006
Location: Intheshop, Indiana
Posts: 969
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Re: Insurance questions......
Quote:
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#11 |
The Older Generation
![]() ![]() ![]() Join Date: Aug 2006
Location: Montezuma, Iowa
Posts: 25,518
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Re: Insurance questions......
Clyde,
I think full coverage is Liability, Medical, Comprehensive, & Collision coverage. LockDoc
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Leon Locksmith, Specializing In Antique Trucks, Automobiles, & Motorcycles (My Dually Pickup Project Thread) http://67-72chevytrucks.com/vboard/s...d.php?t=829820 - |
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#12 |
Registered User
Join Date: Jan 2007
Location: Chukar Hunting Paradise
Posts: 80
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Re: Insurance questions......
In Redneck terms:
Liability cover's the other persons rig if you cause an accident, but not your personal rig. Full Coverage, cover's your personal rig in an accident and the other person's. That's why when you get a loan, the bank make's you get full coverage. So that their investment is safe and sound for repo if you don't make the payment's.
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1972 Chevy LWB K10 Custom/Deluxe Earth first! We'll log the other planet's later. |
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#13 |
Registered User
Join Date: May 2004
Location: Chandler, AZ
Posts: 519
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Re: Insurance questions......
I wrote a tome on this called "insurance for the rest of us "in the FAQ section. It's aimed at those of us who use our trucks as everyday drivers. I think all the links are still good. The idea is to attempt to get "what it's worth" if you get smacked.
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![]() ![]() Last edited by Zonaman; 04-26-2007 at 11:40 AM. |
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#14 |
Junior Member
Join Date: Mar 2007
Location: Hideaway, TX
Posts: 4,950
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Re: Insurance questions......
I highly reccomend all members read zonaman's "insurance for the rest of us" weather driving a beater or show vehicle. This post contains info you may not need now but could be very valuable down the road. Good job zonaman!!!
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71 Suburban 350/700R4 Project Trixie 72 CHEVY,Highlander,SWB,396,T400 |
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#15 |
Watch out for your cornhole !
![]() Join Date: Jun 2003
Location: Azle, Texas
Posts: 14,162
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Re: Insurance questions......
I'm a Hagerty guy. Love 'em!
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I'm on the Instagram- @Gearhead_Kevin |
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#16 |
Registered User
Join Date: Jun 2006
Location: San Antonio, TX
Posts: 296
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Re: Insurance questions......
I'm also a Hagerty guy.
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71 Chevy Stepside 377/350 |
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#17 |
Junior Member
Join Date: Mar 2007
Location: Hideaway, TX
Posts: 4,950
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Re: Insurance questions......
Ttt. Important Info Check It Out
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71 Suburban 350/700R4 Project Trixie 72 CHEVY,Highlander,SWB,396,T400 |
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#18 |
Registered User
![]() Join Date: Feb 2004
Location: Idaho
Posts: 4,034
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Re: Insurance questions......
I am a Haggerty Guy, fixed declared value
I say the truck is worth 10K, they agreed with pics, now it is covered to 10k if it is wrecked.
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"Remember, They can Kill You, but they can't eat You, That's against the law!!!!!!!!!" |
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#19 |
Registered User
Join Date: Dec 2006
Location: Rolla, MO
Posts: 2,463
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Re: Insurance questions......
Since I only drive mine about 5 miles a month right now (if that) I have liability through USAA.
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-Scott- |
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#20 |
Senior Member
Join Date: Mar 2003
Location: St robert Mo
Posts: 2,001
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Re: Insurance questions......
Those that use hagerty have any of you had a claim? My questions is on occasion I have had to drive my truck to work for various reasons. If I get hit will they try and say I am using it for dailly driving and not pay?
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1968 c10 lowered 3" 4" 355/Th400 built by Hatfield racing in joplin MO Last edited by 76bonanza; 04-27-2007 at 02:36 PM. |
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#21 | |
Hittin E-Z Street on Mud Tires
![]() Join Date: Nov 2004
Location: Greenville, SC
Posts: 23,090
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Re: Insurance questions......
Quote:
The majority of the "classic insurance" places answered my questions like this: Can the vehicle be driven to work? NO, never Can the vehicle be driven during the week at all? No, UNLESS you are going to attend a show or club event (must provide proof you were going to event if in an accident during the week.) Can it be driven ANYWHERE on the weekends? Yes, as long as you don't exceed their yearly mileage limit *From what I understand, they don't ask mileage anyway, so they'd have no way to prove this? For all that have "classic insurance" on your "daily driver", you may want to check your policy and ask questions. State Farm and Allstate were the only places that offered to provide full comprehensive coverage on my truck with a stated value of 7K. I went with allstate. I can drive the truck anytime, anywhere, and it's not required to be in a locked garage. It costs me about $600/year.
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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! Last edited by 67ChevyRedneck; 04-27-2007 at 02:52 PM. |
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#22 |
Senior Member
Join Date: Mar 2003
Location: St robert Mo
Posts: 2,001
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Re: Insurance questions......
Well I spoke with hagerty and they said I can drive it anytime during the week for as many miles as I like per year as long as it is lesure driving and I have a fully insured second vehicle as my daily driver.
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1968 c10 lowered 3" 4" 355/Th400 built by Hatfield racing in joplin MO |
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#23 |
Senior Member
Join Date: Mar 2003
Location: St robert Mo
Posts: 2,001
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Re: Insurance questions......
one other question what if someone hits me? And there ins company thinks it is not worth what I think it is worth? Will haggerty pay the difference or how does that work?
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1968 c10 lowered 3" 4" 355/Th400 built by Hatfield racing in joplin MO |
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#24 |
Senior Member
Join Date: Mar 2003
Location: St robert Mo
Posts: 2,001
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Re: Insurance questions......
Never mind about the previous question called them and they answered my question. Also FYI driving to work is not forbiden thru haggertys as long as it is an ocasional thing. And one other thing to note haggerty is not daily driver insurance.
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1968 c10 lowered 3" 4" 355/Th400 built by Hatfield racing in joplin MO Last edited by 76bonanza; 04-27-2007 at 04:38 PM. |
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