classic car daily driver insurance?

[70cst]

With Hagerty I can go to shows, fun drives, work once in a while...just not to be used as a DD.

If I took it to buy groceries and it gets hit or its stolen...I am covered.

If I get into a fender bender...covered etc.

I am not to pull anything and that's not an issue.

Can I haul stuff...sure but rocks and dirt are out.

I had to email pics of the truck and they said I was good to go.

These are good questions and it's a good thing to ask the questions up front.

[Bill72]

Originally Posted by 70cst

With Hagerty I can go to shows, fun drives, work once in a while...just not to be used as a DD.

If I took it to buy groceries and it gets hit or its stolen...I am covered.

If I get into a fender bender...covered etc.

I am not to pull anything and that's not an issue.

Can I haul stuff...sure but rocks and dirt are out.

I had to email pics of the truck and they said I was good to go.

These are good questions and it's a good thing to ask the questions up front.

This is what I was told also. I have Hagerty and am well pleased. They said I could drive it across the country, take vacations in it etc. I was told no towing and asked them about towing a car hauler with another classic on the trailer to shows. In about 10 minutes they came back on the phone and wished me good luck in finding the 72 C30 said that it would be allowed and notated my account accordingly. I had to point out that I owned other tow vehicles for my other towing needs. They are reasonable, understand car/truck guys and make exceptions when it makes sense. I still would always get it in writing though.

As far as a DD classic being valued correctly in case of loss, I don't think it is possible or at least affordable. I would love to be proved wrong on this.

Also, anyone who trusts Safeco is way braver than me. The truth is not in them. And that's a fact.

[E.Furgal]

Originally Posted by saa

Most people don't get to do this - but if you can, here's how to create a DD from a classic.

Work backwards. Start with the Classics section on NADA's value guide and research trucks that you like. The years, models, etc. Find a year and model that you want to drive, and that values well in the condition of the DD.

This means that you're NOT going to spend money on it like it's the Queen of Sheba (Sheba... is that spelled right?) Anyway, buy a solid truck that you've choosen, with comparable values that make sense, and spend in the range of the values given.

It's not that tough. I can buy a '72 Chevy to drive in more than fine shape, and likely drop in a crate engine, if need be, for what they have in values.

Then insure and drive. Save your classic truck for after work, and yes, you can still drive it everyday! AFTER work. It's covered at agreed value, yet you drive a classic truck as your DD.

Now, before you crucify me with the "not everyone can afford two trucks"; I understand. I didn't say this was everyone's solution, however, in defense of the strategy: Look at 10 signatures on this website. If you can find two out of ten, on average, that only yell out one truck's model and spec's - I'd be surprised. So most of us can swing it. If you can't today, save a bit and you will.

Just one solution to the DD issues, and there are lots more given some thought and research. I guess that marks my $.02.
saa.

will not work...
hagardy going to insure my truck.. and my 1984 fiero is my (fair weather daily) I can not insure my 86 SS because my daily is 20 years old..
one daily per lic driver and must be newer than 20 years old..
I have the paperwork to insure my truck again on counter.. as I'm taking it off liberty mutual..

[70cst]

Great info all