What kind of Insurance do you all get? - Page 2 - The 1947 - Present Chevrolet & GMC Truck Message Board Network

**old Rusty C10** · 06-25-2003, 12:36 PM

classic car insurance is for cars 25-30 years old or older depending on the state. It limits the mileage of the car and it has demands on it that you MUST keep the car garaged sometimes they expect you to trailer it if you show it , and they require restored photos of it and they do come inspect the vehicle regularly.here in NJ the limits are 2000 miles a year
I have an insurance company that doesnt mind older cars and i think i pay like $400 a year for insurance on my 86 and the 76 ive yet to do anything about even getting a 72 that resembles a truck ( ive got a cab in the garage and thats it )
to me classic car stuff is too much of a PITA

boataddict26 · 06-25-2003, 02:00 PM

I live in the country so the 2000 miles per year would not work for me. I could do that in a couple months just goin to town and back!!LOL!! So I guess I wont go with the classic car. Full coverage sound good enough.

SCOTI · 06-25-2003, 04:16 PM

Try Haggertys(sp?)Collectors insurance. My buddy Roger has it on his pro-street mustang, but you have to have another minimally covered vehicle to drive everyday. You get the policy for a set amount, & if they are supposed to check the milage, they don't on his. It sets him back about 250/yr.

I pay 400/yr for minimal liability only on my beater 68 & they wanted to double that amount to insure both the 68 & the 74 (yet,only I can drive them, & I haven't learned how to drive 2 different trucks @ once) so I asked them if there's a limit on the # of times you can change vehicles on a policy . . .... no limits . . .... so I just switch the policy back & forth whenever I switch trucks ( I made sure they had an office close to home/work).

Once I get the 74 where I can drive it everyday & put the wheels, stereo, interior, & motor/trans I'll prob go w/Haggertys on it.

boataddict26 · 06-25-2003, 07:25 PM

Do you know if they have a web site?

SCOTI · 06-26-2003, 10:04 AM

www.hagerty.com

PHOENIX · 06-26-2003, 03:18 PM

Because Phoenix has a very high car theft rate and my zip code is very bad for car theft and none insured drivers my insurance is high. I am 22 with a perfect record, no tickets and no wrecks. I pay about $90 a month (I only have my 83 c10) for minimum insurance + bodily harm to me and my passenger if the other driver is not insured. Bodily harm is 25k per accident and only includes me and one passenger. If I get into a wreck and its my fault I am screwed, they will not cover any damage to my truck. If I get into a wreck and the other driver is not insured, I am screwed here too. The only way I can get into a wreck and get my truck fixed is if the other driver is at fault and has insurance. I priced full coverage and it was like $300+ a month. I priced a new car and it was atleast $400+ a month. I need to get into a different zip code to save myself some money.

The fact that insurance companies can legally discriminate against people makes me angry. I pay high insurance because I am a young male in a bad area, thats bull ! I have never gone a day without car insurance, but I have been going for awhile now without health insurance. The insurance companies make crazy money off this business and I think the government needs to step in and get this under control. Good people are screwed daily for following the law. We pay for those who dont, that is wrong.
If you do not have insurance then your car should be taken on the spot and auctioned, to help people who have gotten hurt in none insured accidents. You should loose your DL for 5 years if you get caught with no insurance....... RIDE A FRICKIN BIKE!

Thanks for the links, I plan to check more insurance companies.

boataddict26 · 06-26-2003, 10:06 PM

Thanks for the link.
That sux Phoneix!! If I were you I would be moving!!

06-25-2003, 12:36 PM	#26
old Rusty C10 Robert Olson Transport Join Date: Oct 2002 Location: recent transplant to NC USA Posts: 20,300	classic car insurance is for cars 25-30 years old or older depending on the state. It limits the mileage of the car and it has demands on it that you MUST keep the car garaged sometimes they expect you to trailer it if you show it , and they require restored photos of it and they do come inspect the vehicle regularly.here in NJ the limits are 2000 miles a year I have an insurance company that doesnt mind older cars and i think i pay like $400 a year for insurance on my 86 and the 76 ive yet to do anything about even getting a 72 that resembles a truck ( ive got a cab in the garage and thats it ) to me classic car stuff is too much of a PITA __________________ Bob 1951 International running on a squarebody chassis "If a man's worth is judged by the people he associates himself with, then i am the richest man in the world knowing some of the fine people of this board" http://67-72chevytrucks.com/vboard/a...t.php?f=25&a=9 (you can review the site rules here!) PM Me for your vehicle/parts hauling needs in the North East US or see my Facebook page Robert Olson Transport Live each day to the fullest.. you never know when fate is going to pull the rug out from under you... I hate cancer!!

06-25-2003, 02:00 PM	#27
boataddict26 Registered User Join Date: Mar 2003 Location: North Central Florida Posts: 726	I live in the country so the 2000 miles per year would not work for me. I could do that in a couple months just goin to town and back!!LOL!! So I guess I wont go with the classic car. Full coverage sound good enough. __________________ 1978 Chevy C10 Currently under resto. 350 Getting face lift. .060, JEpistons, Modify heads. More will come with money.

06-25-2003, 04:16 PM	#28
SCOTI Registered User Join Date: Apr 2001 Location: DALLAS,TX Posts: 22,009	Try Haggertys(sp?)Collectors insurance. My buddy Roger has it on his pro-street mustang, but you have to have another minimally covered vehicle to drive everyday. You get the policy for a set amount, & if they are supposed to check the milage, they don't on his. It sets him back about 250/yr. I pay 400/yr for minimal liability only on my beater 68 & they wanted to double that amount to insure both the 68 & the 74 (yet,only I can drive them, & I haven't learned how to drive 2 different trucks @ once) so I asked them if there's a limit on the # of times you can change vehicles on a policy . . .... no limits . . .... so I just switch the policy back & forth whenever I switch trucks ( I made sure they had an office close to home/work). Once I get the 74 where I can drive it everyday & put the wheels, stereo, interior, & motor/trans I'll prob go w/Haggertys on it. __________________ 67SWB-B.B.RetroRod 64SWB-Recycle 89CCDually-Driver/Tow Truck 99CCSWB Driver All Fleetsides @rattlecankustoms in IG Building a small, high rpm engine with the perfect bore, stroke and rod ratio is very impressive. It's like a highly skilled Morrocan sword fighter with a Damascus Steel Scimitar..... *Cubic inches is like Indiana Jones with a cheap pistol.*

06-25-2003, 07:25 PM	#29
boataddict26 Registered User Join Date: Mar 2003 Location: North Central Florida Posts: 726	Do you know if they have a web site? __________________ 1978 Chevy C10 Currently under resto. 350 Getting face lift. .060, JEpistons, Modify heads. More will come with money.

06-26-2003, 10:04 AM	#30
SCOTI Registered User Join Date: Apr 2001 Location: DALLAS,TX Posts: 22,009	www.hagerty.com __________________ 67SWB-B.B.RetroRod 64SWB-Recycle 89CCDually-Driver/Tow Truck 99CCSWB Driver All Fleetsides @rattlecankustoms in IG Building a small, high rpm engine with the perfect bore, stroke and rod ratio is very impressive. It's like a highly skilled Morrocan sword fighter with a Damascus Steel Scimitar..... *Cubic inches is like Indiana Jones with a cheap pistol.*

06-26-2003, 03:18 PM	#31
PHOENIX Registered User Join Date: Oct 2002 Location: Phoenix, Arizona Posts: 4,703	Because Phoenix has a very high car theft rate and my zip code is very bad for car theft and none insured drivers my insurance is high. I am 22 with a perfect record, no tickets and no wrecks. I pay about $90 a month (I only have my 83 c10) for minimum insurance + bodily harm to me and my passenger if the other driver is not insured. Bodily harm is 25k per accident and only includes me and one passenger. If I get into a wreck and its my fault I am screwed, they will not cover any damage to my truck. If I get into a wreck and the other driver is not insured, I am screwed here too. The only way I can get into a wreck and get my truck fixed is if the other driver is at fault and has insurance. I priced full coverage and it was like $300+ a month. I priced a new car and it was atleast $400+ a month. I need to get into a different zip code to save myself some money. The fact that insurance companies can legally discriminate against people makes me angry. I pay high insurance because I am a young male in a bad area, thats bull ! I have never gone a day without car insurance, but I have been going for awhile now without health insurance. The insurance companies make crazy money off this business and I think the government needs to step in and get this under control. Good people are screwed daily for following the law. We pay for those who dont, that is wrong. If you do not have insurance then your car should be taken on the spot and auctioned, to help people who have gotten hurt in none insured accidents. You should loose your DL for 5 years if you get caught with no insurance....... RIDE A FRICKIN BIKE! Thanks for the links, I plan to check more insurance companies. __________________ * AVOID: LOPER'S PERMORANCE / LOPERSPEED.COM OF PHOENIX, AZ & COTTMAN TRANSMISSION *

06-26-2003, 10:06 PM	#32
boataddict26 Registered User Join Date: Mar 2003 Location: North Central Florida Posts: 726	Thanks for the link. That sux Phoneix!! If I were you I would be moving!! __________________ 1978 Chevy C10 Currently under resto. 350 Getting face lift. .060, JEpistons, Modify heads. More will come with money.



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