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#26 | |
Account Suspended
Join Date: Mar 2012
Location: Abington,Ma.
Posts: 87
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Re: classic car daily driver insurance?
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#27 | |
Senior Member
![]() Join Date: Feb 2001
Location: New Madison, Ohio
Posts: 21,365
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Re: classic car daily driver insurance?
Quote:
My "Hagerty" agent said small things in the bed is not a big deal and nothing about a bed cover although I do have a Tonneau. I'm thinking it may be the agent or state which is the reason for these differences but its good to know and be sure of the guidelines. Thanks for the info.
__________________
A husband can be right...or...A husband can be happy. ![]() 67-72 Chevy and GMC Trucks...The Classic Truck for the Classic Folk. ![]() 1970 CST Two tone green, 402BB, 400 Automatic, Tach, Buckets, AC, AM-FM, Tilt, GM CB, GM 8 Tract, LWB, etc ![]() ![]() JOHN 17:3...The better side of "LIFE" Remember: Everyday is a good day...Some are just gooder! |
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#28 |
Senior Member
![]() Join Date: Oct 2009
Location: Godley, TX
Posts: 17,963
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Re: classic car daily driver insurance?
Mr Grundy told me the same thing 70cst - While i can't use the truck as a commercial vehicle (which, Calif ironically makes me get it licensed for) I can put stuff in the bed if I want. No cover required. I don't put anything in the bed because I don't want to trash it - it's the nicest part of the truck!..., but I could.
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#29 |
Newbee
Join Date: Jan 2010
Location: Phoenix, Arizona
Posts: 1,406
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Re: classic car daily driver insurance?
Sure would be nice if we had an underwriter from either company to chime in. It seems as though there are different interpretations, depending on the agent.
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#30 | ||
Registered User
Join Date: Apr 2004
Location: Las Vegas, NV
Posts: 2,188
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Re: classic car daily driver insurance?
Quote:
The point, of course, was to build my truck into a DD rather than buying a new truck and carrying a car payment (we just bought our first home). I saw this a much cheaper way to both get a set of wheels and enjoy driving it. Im just blown away by the news in this thread. Doesnt really make much sense to spend all of this time and money swapping in a motor that gets great mileage if I can only drive it occasionally.... Not sure what I should do with my project now. The truck is realistically worth 12-15k running and driving, so I suppose its not as bad as some of you folks. I cant decide if I should just cross my fingers with NDAA/KBB value or buy a beater car and use that for Haggerty as my primary - which also sets my swap back by a few months. I did some digging on Grundy's site and found this: Quote:
Last edited by chevy72blu; 06-24-2012 at 01:51 PM. |
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#31 |
Senior Member
![]() Join Date: Oct 2009
Location: Godley, TX
Posts: 17,963
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Re: classic car daily driver insurance?
Hey thanks for posting the above - while I'd LIKE my current 66 to be daily driver insured, in this specific case, I'd retain the classic limited. FOr a newer 72 that I am looking at/for, I do want to drive it much more often and this MVP stuff will be a great place to start, thanks. I wonder if that came about as a result of my "plea" to them for something like this!?
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#32 | |
Registered User
Join Date: Feb 2008
Location: Fort Sumner, NM
Posts: 298
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Re: classic car daily driver insurance?
Quote:
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. |
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#33 | |
Account Suspended
Join Date: Mar 2012
Location: Abington,Ma.
Posts: 87
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Re: classic car daily driver insurance?
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love me a gaylord lid. but pricy |
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#34 | |
Account Suspended
Join Date: Mar 2012
Location: Abington,Ma.
Posts: 87
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Re: classic car daily driver insurance?
Quote:
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.. |
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#35 |
Senior Member
![]() Join Date: Feb 2001
Location: New Madison, Ohio
Posts: 21,365
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Re: classic car daily driver insurance?
Great info all
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__________________
A husband can be right...or...A husband can be happy. ![]() 67-72 Chevy and GMC Trucks...The Classic Truck for the Classic Folk. ![]() 1970 CST Two tone green, 402BB, 400 Automatic, Tach, Buckets, AC, AM-FM, Tilt, GM CB, GM 8 Tract, LWB, etc ![]() ![]() JOHN 17:3...The better side of "LIFE" Remember: Everyday is a good day...Some are just gooder! |
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#36 |
Senior Member
![]() Join Date: May 2012
Location: phoenix az
Posts: 442
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Re: classic car daily driver insurance?
i'd like to thank all of you for the information. I was just about to try classic insurance on my '70 cst but i's a dd. Maybe i'll just stay wit the old guy insurance ( hartford) but i'm going to ask them about the pay off in case of an accident.
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my build thread http://67-72chevytrucks.com/vboard/s...d.php?t=522167 vietnam vet 67-68 |
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#37 |
Senior Member
![]() Join Date: Oct 2009
Location: Godley, TX
Posts: 17,963
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Re: classic car daily driver insurance?
mike - might look at Grundy's MPG or whatever it's called. I was not aware of that until I read this thread, and I'm with Grundy - so I think it's a new option geared toward dd's. I'm interested in this for a different truck than my 66 I am looking at.
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#38 |
Cruzin
Join Date: Dec 2009
Location: on the road
Posts: 2,835
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Re: classic car daily driver insurance?
I have Grundy on my Nova, had no problems with them i can drive it any day, anytime, all the miles i want just not to work. I DON'T want to drive my classics to work anyways whats the fun in that? Pleasure driving is for them i drove my 86 Monte SS daily for a while until one day at lunch a 16 year old dropped his cell phone and rear ended me didn't hurt the car that bad tore his truck up though.
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__________________
Lime Wife's 67https://www.google.com/url?sa=t&rct=...wZEMODaS2d94u8 Back to the Fifties 59 https://www.google.com/url?sa=t&rct=...NAeStpydfrcj_U Proverbs 3:5,6 "Thanks to the Interstate Highway System, it is now possible to travel across the country from coast to coast without seeing anything."Charles Kuralt In memory of our first baby daughter, daddy and mommy love you. Danica Grace 6/26/14
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#39 | ||
Senior Member
![]() Join Date: Feb 2001
Location: New Madison, Ohio
Posts: 21,365
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Re: classic car daily driver insurance?
Quote:
Quote:
__________________
A husband can be right...or...A husband can be happy. ![]() 67-72 Chevy and GMC Trucks...The Classic Truck for the Classic Folk. ![]() 1970 CST Two tone green, 402BB, 400 Automatic, Tach, Buckets, AC, AM-FM, Tilt, GM CB, GM 8 Tract, LWB, etc ![]() ![]() JOHN 17:3...The better side of "LIFE" Remember: Everyday is a good day...Some are just gooder! |
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#40 | |
Cruzin
Join Date: Dec 2009
Location: on the road
Posts: 2,835
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Re: classic car daily driver insurance?
Quote:
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__________________
Lime Wife's 67https://www.google.com/url?sa=t&rct=...wZEMODaS2d94u8 Back to the Fifties 59 https://www.google.com/url?sa=t&rct=...NAeStpydfrcj_U Proverbs 3:5,6 "Thanks to the Interstate Highway System, it is now possible to travel across the country from coast to coast without seeing anything."Charles Kuralt In memory of our first baby daughter, daddy and mommy love you. Danica Grace 6/26/14
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#41 | |
Senior Member
![]() Join Date: Feb 2001
Location: New Madison, Ohio
Posts: 21,365
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Re: classic car daily driver insurance?
Quote:
Makes sense. ![]()
__________________
A husband can be right...or...A husband can be happy. ![]() 67-72 Chevy and GMC Trucks...The Classic Truck for the Classic Folk. ![]() 1970 CST Two tone green, 402BB, 400 Automatic, Tach, Buckets, AC, AM-FM, Tilt, GM CB, GM 8 Tract, LWB, etc ![]() ![]() JOHN 17:3...The better side of "LIFE" Remember: Everyday is a good day...Some are just gooder! |
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#42 |
Registered User
Join Date: Mar 2010
Location: Shawnee, OK
Posts: 63
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Re: classic car daily driver insurance?
I talked to an insurance company about putting liability on my 71 and was denied! They said that the truck was built too good and would do too much damage if i hit someone. But they would insure my 93 dodge one ton dually...that thing weighs twice as much as the gmc and would demolish whatever it hits. As far as full coverage goes, i have no imput as i dont need it at this time.
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71 GMC long bed 70 Chevy short step 71 Chevy K10 long bed |
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#43 | |
Registered User
![]() Join Date: Jul 2006
Location: Ozark, MO
Posts: 4,887
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Re: classic car daily driver insurance?
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__________________
'20 Silverado Trail Boss ~ '17 Tahoe ~ '79 K15 Sierra Grande ~ '76 Blazer 2wd ~ '71 Cheyenne swb ~ '55 Pontiac Safari ~'50 3100 bagged ~ '80 Wife ~ Late model kids
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#44 |
Registered User
Join Date: Apr 2012
Location: A Sunny Place For Shady People
Posts: 468
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Re: classic car daily driver insurance?
My Dad an I need to look into this more. I have heard from friends that the state of Arizona changed its laws recently.
I need to keep an eye on this thread also.
__________________
Chris '69 C-20 '04 Jeep TJ |
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#45 |
Registered User
![]() Join Date: Jul 2006
Location: Ozark, MO
Posts: 4,887
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Re: classic car daily driver insurance?
The problem I have with the driving to work restriction is that that IS where I go all the time...Hagerty told me that occasional pleasure cruising, if it happens to be to the office is ok. Now keep in mind the fine print strictly prohibits that. I work 6 days most weeks, if I can't cruise to my office then what's the point. And don't take their word for it...read the fine print! Just a caution...
__________________
'20 Silverado Trail Boss ~ '17 Tahoe ~ '79 K15 Sierra Grande ~ '76 Blazer 2wd ~ '71 Cheyenne swb ~ '55 Pontiac Safari ~'50 3100 bagged ~ '80 Wife ~ Late model kids
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#46 | |
Chemist under the hood...
Join Date: Apr 2009
Location: Fort Erie,ON, Canada
Posts: 617
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Re: classic car daily driver insurance?
Quote:
I guess that would be the first thing they would ask "What happened?", "Well, I was on my way to work and ...." ![]()
__________________
Current fleet: 2013 GMC Sierra, 5.3L, 4x4 1988 GMC Sierra, 305, Auto 1984 Jeep Grand Wagoneer, 360 V8 1997 VW Cabrio, 2.0L 2017 Toyota Rav4, 2.5L Stuff I wish I still had: 2013 Toyota Matrix [RIP] 1967 GMC 910 Fleetside, 283 V8 [1st Love-SOLD] 1987 Jeep Cherokee Laredo 4X4, 4.0 I-6 [SOLD} 1994 Chevrolet Caprice Classic, 5.7LV8 [SOLD] 1995 Chevrolet Astro AWD, 4.3L V6 (RIP) 1998 Chevrolet Suburban 4x4, 5.7L V8 [SOLD] |
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#47 | |
Registered User
![]() Join Date: Aug 2003
Location: VA
Posts: 740
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Re: classic car daily driver insurance?
Quote:
![]() This subject comes up from time to time and it's the same old story and same old whiners. "Boo ooh, why can't I have a Hot Rod truck as my daily driver and still pay LESS than full rates and get 100% coverage?, Boo ooh". ![]() I'm sorry but you can't have your cake and eat it too. Get a DD or Pay for the coverage of owning these trucks through NORMAL channels. Face it, it's pretty much Black and White. Accept it or get a DD then you can have your Truck. I apologize, but Jeeeezzz, this subject needs to go away. Where's that "beat a dead horse" Smiley? ![]()
__________________
1968 SWB. GMPP 350/350 Turbo Trans, Edelbrock Performer & Carb. Hedman Hedders, Hooker Aerochambers Mufflers. Tuff Stuff Alternators. Remember, no matter where you go, There you are. Gary |
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#48 |
Senior Member
![]() Join Date: Oct 2009
Location: Godley, TX
Posts: 17,963
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Re: classic car daily driver insurance?
Try to keep up.... apparently you missed the fine print - the issue is not wanting coverage while paying less than full rates. The issue is wanting to get full coverage for a nice daily driver at all, even through the normal channels you mention - which do not exist, and that is the whole point. Further, it is assumed that it would cost more than the limited driving/garage only policies. Thus the " I'd gladly pay double for my insurance, even triple..." comment.
So, if the thread is that boring or annoying, nobody is twisting your arm - stop reading it - clearly a few folks (you know, us same old whiners) are still interested. Last edited by jocko; 06-25-2012 at 09:36 PM. |
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#49 |
Account Suspended
Join Date: Mar 2012
Location: Abington,Ma.
Posts: 87
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Re: classic car daily driver insurance?
yes it be nice if normal insurance would cover trucks or any vehicle of age. that has a worth.. like it was a newer truck..
I'd have no issue paying the 1200.oo a year that it cost to insure my sport trac. if when hit they didn't try to say my 71 was only worth 900.oo and use it daily.. the issue is insuring for daily use.. and paying 1000.oo for full coverage , only to have them tell you that sorry we book it at 500.oo sorry.. |
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#50 | |
Registered User
![]() Join Date: Aug 2003
Location: VA
Posts: 740
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Re: classic car daily driver insurance?
Quote:
"which do not exist, and that is the whole point". My point exactly Skippy. Even though you might be willing, you can not. Again, you made my point. Get a DD and deal with it, just like the rest of us. Or, don't get a DD and use your truck as your DD, pay the "agreed" value and pray you don't get hit or you hit something. No. I'll read what I'll read and comment on what I want to comment on.
__________________
1968 SWB. GMPP 350/350 Turbo Trans, Edelbrock Performer & Carb. Hedman Hedders, Hooker Aerochambers Mufflers. Tuff Stuff Alternators. Remember, no matter where you go, There you are. Gary |
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