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#1 |
Registered User
Join Date: Feb 2006
Location: Modesto, California
Posts: 8
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I have a problem. I love my 67...but i also love driving my 67! In order to insure my truck properly i need to get collector insurance of some kind, The problem with all the collector's insurance out there is that the vehicle can only be driven "occasionally" to auto shows, club outing, and things of that nature. Well what's the point of having a truck that you love to drive, if you can't drive it. Right now I have full coverage on my truck, but if it gets stolen, totaled or whatever, I'm only covered for the blue book value of the truck. And I think we all know, that Kelly has his head up his rear when it comes to TRUE value of our beautiful pieces of American Ingenuity! Does anyone have any suggestions for what i can do to properly insure my truck for the real value, AND still be able to drive it like i love? I'd appreciate any help i can find on this. Thanks!
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#2 |
Registered User
Join Date: May 2010
Location: Hollywood, Florida
Posts: 10
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Re: What's the point?!
I would be interested in some info on this myself
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#3 |
Senior Member
Join Date: Jan 2003
Location: daytonabeach
Posts: 22,956
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Re: What's the point?!
go around and talk to human insurance agents face to face
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71c-10 350/2004r/4:11 lowered3/4 longbed/dead by hurricane MEANING OF DEATH::::: SOMEBODY ELSE GETS YOUR STUFF DONT BELIEVE EVERYTHING YOU THINK TAKE MY ADVISE;I DON'T USE IT ANYWAY |
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#4 |
Registered User
![]() Join Date: May 2009
Location: Pemberton, BC
Posts: 1,075
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Re: What's the point?!
Don't know about where you are but, here, declared value insurance is available. The vehicle is appraised and the rates are adjusted accordingly.
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My goal in life is to be as good a person as my dog already thinks I am - Unknown |
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#5 |
Registered User
Join Date: Mar 2009
Location: Youngsville, NC
Posts: 952
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Re: What's the point?!
My father-in-law has stated value coverage through his regular insurance company (State Farm I think) and there are no restrictions on how much he drives the vehicle.
Like cdowns mentioned, the best thing to do is talk with an insurance agent face to face.
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1969 C10 SWB Project Charity Case AKA "Roscoe" 1971 Cheyenne Super A Combined Effort The Service Station-A practical ministry for those in need |
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#6 |
Registered User
Join Date: Mar 2010
Location: Iowa
Posts: 57
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Re: What's the point?!
I know that is how my father-in-law insures his vehicles. He has a Dodge Shelby something or other insured at 15k with unlimited miles per year if I remember correctly. I think he only pays 3-400 for the year of coverage. Don't know who it is with though.
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#7 |
What?
Join Date: Jun 2007
Location: Southern California
Posts: 7,617
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Re: What's the point?!
I have my burb insured through Allied Insurance, and it is insured for the value of a new Suburban. Any more, they wanted an appraisal.
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Chris 1968 K20 Suburban 1972 K10 LWB PU |
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#8 |
70+ ( Old Skool Club )
![]() Join Date: Nov 2003
Location: Saskatoon, Saskatchewan ,Canada
Posts: 9,118
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Re: What's the point?!
I dont know if these companies will work for you but they advertise alot on the different car shows on TV. The companies are Hagarty Insurance and Grundy Insurance. Fromwhat the ads say they specialize in classic car ( and I would assume truck ) insurance.
We are lucky in Saskatchewan with our government insurance. It cost me $55.00 a month with no restrictions to insure my truck. That also includes fire, theft etc. when it is in storage for the Winter. If I do not license the truck and just leave it in storage it cost me 15.00 per month. As far as what its worth if it gets wrote off they calculate that on a truck to truck basis. With that being said sometimes you have to fight them hard.
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1972 C10 Custom/Deluxe 613 Highlander 406/700R4 1999 White Tahoe LS 4x2 with Z56 Police Package 1992 K1500 GMC Suburban Members I have personally met: MusicMan70 - HeavyD - ChewyChevy67 - StingRay -71SWB4x4 - 67 Burb - DeadheadNM - too much stuff - bc65 - das601 " Circumsatances Do Not Change Responsibility " " The Sky is not the Limit, Your Mind is." Marilyn Monroe .. RIP Charlie Watts 1941 - 2021 |
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#9 |
Registered User
Join Date: Dec 2009
Location: Aztec NM
Posts: 229
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Re: What's the point?!
Be careful with "declared", "stated", or "agreed" value insurances. In many cases these policies only use the stated figure for rate purposes. If you have a loss they will only cover the vehicle up to book value or the stated value whichever is lower. Typically agreed value policies are better. If you don't have to show an appraisal, it may not cover what you think it does. Be sure to read the policy totally and make sure you fully understand it. I am an insurance adjuster, and I hate to see anyone not get what they thought they were bargaining for.
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Danny 71 SWB |
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#10 |
Registered User
Join Date: Mar 2009
Location: independence mo
Posts: 2,111
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Re: What's the point?!
My insurance co. insured mine at appraised value with no restrictions.
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I'm not as good as I once was, But I'm as good once as I ever was. |
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#11 |
Senior Member
![]() Join Date: Feb 2001
Location: New Madison, Ohio
Posts: 21,365
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Re: What's the point?!
http://67-72chevytrucks.com/vboard/s...d.php?t=404296
Hey bclipse...here is some info that might help.
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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! Last edited by 70cst; 05-28-2010 at 09:34 PM. |
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#12 |
Registered User
Join Date: Mar 2010
Location: Beech Island, SC
Posts: 13
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Re: What's the point?!
I have a '66 mustang insured for the appraised value through State Farm, and I don't have any problems. Ask your agent where you can find someone to do an appraisal for you. Mine only cost about $100-$150. My rates are relatively cheap, too.
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My sickness includes: '66 Mustang '69 C10 '76 CJ5 '07 Mustang GT-CS |
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#13 |
Registered User
Join Date: Jun 2005
Location: Midlothian, VA
Posts: 148
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Re: What's the point?!
I have full coverage with State Farm. The agent just said keep photos and receipts.
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![]() 383 Stroker - Edlebrock Air Gap intake and 670 CFM Holley Street Avenger carb. Hooker Comp Headers w/ X-Pipe and 2.25 duals TKO-500 & 3.08:1 rear I Love HEMI's, they're soft & chewy! ![]() |
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#14 |
Senior Member
![]() Join Date: Feb 2001
Location: New Madison, Ohio
Posts: 21,365
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Re: What's the point?!
For those who suggested State Farm check out the prices: a) I am not insured with State Farm and I asked for a collector quote, b) its for $30,000
Haggerty $320 per yr. Grundy $225 per yr. Barrett Jackson $232 per yr. American Collector $908 per yr. State Farm $650 per year
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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! Last edited by 70cst; 05-28-2010 at 09:38 PM. |
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#15 |
VA72C10
![]() Join Date: Mar 2008
Location: Midlothian, VA
Posts: 25,269
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Re: What's the point?!
What driving limitations on any of those?
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Looking for a 67-72 swb or blazer project in or around VA. ![]() |
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#16 | ||
Senior Member
![]() Join Date: Feb 2001
Location: New Madison, Ohio
Posts: 21,365
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Re: What's the point?!
See below... Quote:
Quote:
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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! Last edited by 70cst; 05-28-2010 at 11:36 PM. |
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#17 |
Registered User
![]() Join Date: Sep 2007
Location: Brandon FL
Posts: 258
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Re: What's the point?!
Hmmm... I have full coverage with unlimited miles. All for $52 a month.
State farm. |
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#18 | |
Senior Member
![]() Join Date: Feb 2001
Location: New Madison, Ohio
Posts: 21,365
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Re: What's the point?!
Quote:
Haggerty $320 per yr. = $26.66 PER MONTH FOR 12 MONTHS Unlimited miles Grundy $225 per yr. = $18.75 PER MONTH FOR 12 MONTHS Drive on nice days unless one is going to a meet or show
__________________
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! Last edited by 70cst; 05-29-2010 at 12:03 AM. |
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#19 |
Registered User
Join Date: Apr 2010
Location: Jeffersonville, Indiana
Posts: 136
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Re: What's the point?!
For those of you who feel comfortable with using your regular auto coverage be careful! Even if you have full coverage, they will only pay what it books for! Now in some cases, that is great my 71 SWB 4x4, NADA value is between 15-30k! I don't have nearly that in it, so i would be ahead. But in the case of my 70 Nova, I've have more in it than it books for, so I would be screwed. It is very much worth the collector insurance. I've had a claim with Hagerty on our old show truck, they paid what was needed, no questions asked!
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#20 | |
Registered User
Join Date: Dec 2009
Location: Aztec NM
Posts: 229
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Re: What's the point?!
Quote:
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Danny 71 SWB |
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#21 |
Registered User
Join Date: May 2010
Location: Broken Arrow Okla.
Posts: 510
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Re: What's the point?!
I have used Hagarty for the last 8 years on a 68 GTO that I used to have and my 72 Sprint that my son drives and now on my 67 C10, they have always been easy to work with never had a claim but I have up coverages on my car or changed things on my polices with no problem them I am happy with them.
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1967 swb 454 cid 700R4 trans SOLD 2006 Chevy Trailblazer SS 2013 Camaro RS convertible the wife's Build thread http://67-72chevytrucks.com/vboard/s...d.php?t=573248 |
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