Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup - The 1947 - Present Chevrolet & GMC Truck Message Board Network

1Bad62Pro/Street · 11-30-2012, 09:26 AM

What Kind Of Insurance Is Needed For Project Pickup?

What Kind Of Insurance Is Needed For Project...

Grundy Classic Auto Insurance
http://www.grundy.com/

EGGE Speed Shop - Collector Car Insurance...

Hagerty Classic auto Insurance
http://www.hagerty.com/
Hagerty 2012 Commercial: Specialty - YouTube

kieth · 11-30-2012, 09:59 AM

I used Hagerty, they were much less expensive and very easy to deal with. I am very pleased with them. $30,000 plus liabilaty $310.00 per year...yikes I am going to build more old trucks just on the insurance savings.... yes you can rationalize anything. Kieth

**Clyde65** · 11-30-2012, 10:17 AM

But if you drive them, you can use collector car insurance, I mean drive them regularly.

jsdoyle · 11-30-2012, 10:48 AM

Quote:

Originally Posted by Clyde65

But if you drive them, you can use collector car insurance, I mean drive them regularly.

Did you mean to say "can't" drive them regularly?

I have Hagerty Insurance on my truck and it is very inexpensive. Only way to go! But you do have to show proof that you also have an insured daily-driver vehicle. Other than that they say they encourage you to drive your classic vehicle when ever you want.

They never asked me for my mileage at the start of the policy. I guess they know that these trucks can say one thing today and something a lot less tomorrow.

MP33 · 11-30-2012, 11:07 AM

Hagerty here too. They are great. Had a rock hit on my brand new windshield on 63. Sent me a check, no questions asked. The cost of the new windshield installed was 2-3 times more than my yearly premium and they did not raise it one cent. Highly recommended.

FetchMeAPepsi · 11-30-2012, 11:18 AM

Can't view videos so the first post doesn't do much for me.
As for insurance, I use State Farm Antique full coverage for 7 bux a month. Anything goes missing and they send me a check. Anything goes boom and they send me a check. Anyone steals any of my backup parts and they send me a check.
I'm happy

BR3W CITY · 11-30-2012, 11:55 AM

I submitted a quote request to a few places, and had 2 say that they refused ANY collector or antique or hobbyist covereage to me, because almost two years ago, I was hit (in a different vehicle, not my fault, and I didn't claim anything because I have 1 side coverage)....wtf is that about.

As for Haggerty, I was quoted more than $850, which is bloody effing rediculous. (no tickets in over 5 years, that was the only accident ever)

FetchMeAPepsi · 11-30-2012, 12:31 PM

Quote:

Originally Posted by BR3W CITY

I submitted a quote request to a few places, and had 2 say that they refused ANY collector or antique or hobbyist covereage to me, because almost two years ago, I was hit (in a different vehicle, not my fault, and I didn't claim anything because I have 1 side coverage)....wtf is that about.

As for Haggerty, I was quoted more than $850, which is bloody effing rediculous. (no tickets in over 5 years, that was the only accident ever)

If you didn't claim anything, did you just tell them about the accident? Maybe that's the problem. No claim = it didn't happen.
Also, are you young? (under 25)
That can kill your premiums too if you're unmarried and under 25 because you're in a statistically high risk crowd.

BR3W CITY · 12-01-2012, 02:59 PM

Quote:

Originally Posted by FetchMeAPepsi

If you didn't claim anything, did you just tell them about the accident? Maybe that's the problem. No claim = it didn't happen.
Also, are you young? (under 25)
That can kill your premiums too if you're unmarried and under 25 because you're in a statistically high risk crowd.

So it was considered a No Fault accident, because it happened on private property, and in the police report no citations were issue, (even though she t-boned me, because it was in a private mall lot, we were told the cop couldn't issue her a ticket). What I'm told is the other driver had full coverage with the SAME insurance company as me....in their eyes even though it was her fault, SHE had a claim and I did not (I had injury ins only).
When they paid her the claim, it was "Against" me...yet my "risk" with the insurance company hasn't gone up...my rates have not changed, even with a recent renewal...even so...this all happened almost 2 years ago. I just found the person with Chubb fairly rude...its not like I had mutliple accidents and citations in recent times....1 no fault accident years ago.
Im 27 with an otherwise spotless record, and other insured vehicles with no claims. Its not a big deal, just frustrating.

oem4me · 11-30-2012, 12:40 PM

Great thread! Potentially extremely valuable information to anyone who owns a classic vehicle. The info we need most is not just how much you pay for your coverage, but how your insurer handled your claims. Cheap insurance is great unless you get jacked when it's time to make THEM pay!
I personally have had no claims in 12 years with Hagerty, so I can't offer much help, other than to say it's kind of a pain that ALL my vehicles insured with them must be kept in a locked garage when not in use to be eligible. I think that is maybe an industry wide rule though.
Let's hear your insurance horror stories or praise.

64shortbox · 11-30-2012, 02:34 PM

I also have Hagerty. Less than a year of having them as my insurer the windshield got broken on my 71 Caddy Hearse $1,200.00 to replace it and they didn't bat an eye. I have 3 collector vehicles with them, full coverage with 0 deductible and pay less than $300.00 a year for all three BUT I have my 62 Pontiac torn apart and moved it to builder status. My wife and I are are in our late 50's with 2 daily drivers insured through another insurance company. My wife did have an accident 2 years ago (her faut) in her daily driver and totaled it. Hagerty went up about $25 or so I'm guessing because of that. Neither one of us have any tickets and there are no other people in our household. So far I'm happy with Hagerty.

TopFuel1966 · 11-30-2012, 02:43 PM

I have my truck insured with the SoCal Auto Club collector car insurance. It's presently in the body shop for repair of some minor damage and I would rate the claims service as 12 on a scale of one to ten.

dstarrett · 11-30-2012, 05:39 PM

Got mine thru my local agent that has my personal and business ins. Declared value and expected miles driven. Very cheap.
Posted via Mobile Device
Posted via Mobile Device

newbe351 · 11-30-2012, 05:57 PM

Quote:

Originally Posted by oem4me

ALL my vehicles insured with them must be kept in a locked garage when not in use to be eligible. I think that is maybe an industry wide rule though.

My '66 is a daily driver and sits on the street. All mechanical is finally complete and will be going to the body shop for paint soon. I was going to look for "Classic" insurance as I will have close to $27K in it when it's all said and done. (even though these things are never done). When I'm out of town for more than a day or two, it gets moved into the driveway. It never sits in a locked garage. Will this prohibit me from getting insurance?

TopFuel1966 · 11-30-2012, 06:39 PM

Quote:

Originally Posted by newbe351

My '66 is a daily driver and sits on the street. All mechanical is finally complete and will be going to the body shop for paint soon. I was going to look for "Classic" insurance as I will have close to $27K in it when it's all said and done. (even though these things are never done). When I'm out of town for more than a day or two, it gets moved into the driveway. It never sits in a locked garage. Will this prohibit me from getting insurance?

I doubt that you will find a "classic" or "collector car" insurance carrier that will insure you if the vehicle is not kept in a garage.

mygmctruck · 11-30-2012, 05:57 PM

Not to dispute the claim that ordinary insurance companies will pay agreed value but I had state farm and ask them about agreed value , they said they will only cover book value and nothing more. Yes the insurance was cheap $104.00 a yr but who cares when book value is way less than it's real value.

MikeS. · 11-30-2012, 08:39 PM

Great thread, thanks OP for starting it.
Posted via Mobile Device

*Sharps40* · 12-01-2012, 05:15 PM

I only traded 3 hunting rifles f/ Ol John Lee - so low investment. So far I get more value as a daily driver (10K miles in past 11 montnths) than repair costs to keep it running safe. Its been a marvelous deal for me. So, liability insurance only w/USAA.
Posted via Mobile Device

shawno72 · 12-01-2012, 05:35 PM

Subscribed

FetchMeAPepsi · 12-01-2012, 06:06 PM

Brew, it sounds like she hosed you on that deal. If it was against you then it's on your record and will be for the next several years

Sorry bud. I'd call them to get it fixed if you can. It can't hurt.

1Bad62Pro/Street · 12-01-2012, 08:30 PM

Witness (extended version): Hagerty TV commercial
https://www.youtube.com/watch?v=p9A1E-0S_ZI

11-30-2012, 09:59 AM	#2
kieth Registered User Join Date: Sep 2010 Location: Tulsa, Oklahoma Posts: 1,925	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup I used Hagerty, they were much less expensive and very easy to deal with. I am very pleased with them. $30,000 plus liabilaty $310.00 per year...yikes I am going to build more old trucks just on the insurance savings.... yes you can rationalize anything. Kieth

11-30-2012, 10:17 AM	#3
Clyde65 1965 Chevy C10, 2005 4.8L/4l60 Join Date: Aug 2004 Location: DFW Texas Posts: 8,546	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup But if you drive them, you can use collector car insurance, I mean drive them regularly. __________________ Clyde65 Rebuild of Clyde http://67-72chevytrucks.com/vboard/s...84#post8338184 69 Aristocrat Lo Liner build http://67-72chevytrucks.com/vboard/s...84#post7561684 *support our troops!*

11-30-2012, 11:07 AM	#5
MP33 Registered User Join Date: Feb 2004 Location: Central Wisconsin Posts: 153	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup Hagerty here too. They are great. Had a rock hit on my brand new windshield on 63. Sent me a check, no questions asked. The cost of the new windshield installed was 2-3 times more than my yearly premium and they did not raise it one cent. Highly recommended.

11-30-2012, 11:18 AM	#6
FetchMeAPepsi Registered User Join Date: Apr 2011 Location: Edmond, Ks Posts: 595	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup Can't view videos so the first post doesn't do much for me. As for insurance, I use State Farm Antique full coverage for 7 bux a month. Anything goes missing and they send me a check. Anything goes boom and they send me a check. Anyone steals any of my backup parts and they send me a check. I'm happy __________________ Step by steps: Remove primer to reveal original paint Rebuild a carburetor See My Build - Cecilia! Some people are like slinkys. Not worth much but funny as heck when pushed down stairs.

11-30-2012, 11:55 AM	#7
BR3W CITY meowMEOWmeowMEOW Join Date: Sep 2009 Location: MKE WI Posts: 7,128	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup I submitted a quote request to a few places, and had 2 say that they refused ANY collector or antique or hobbyist covereage to me, because almost two years ago, I was hit (in a different vehicle, not my fault, and I didn't claim anything because I have 1 side coverage)....wtf is that about. As for Haggerty, I was quoted more than $850, which is bloody effing rediculous. (no tickets in over 5 years, that was the only accident ever) __________________ *'66 Short Step / SD Tuned / Big Cam LQ4 / Backhalfed /Built 4l80e / #REBUILDEVERYTHING* MY BUILD THE H8RDCPTR //\\ MY YOUTUBE CHANNEL REV J HD

11-30-2012, 12:40 PM	#10
oem4me Registered User Join Date: Aug 2010 Location: Burbank CA Posts: 3,055	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup Great thread! Potentially extremely valuable information to anyone who owns a classic vehicle. The info we need most is not just how much you pay for your coverage, but how your insurer handled your claims. Cheap insurance is great unless you get jacked when it's time to make THEM pay! I personally have had no claims in 12 years with Hagerty, so I can't offer much help, other than to say it's kind of a pain that ALL my vehicles insured with them must be kept in a locked garage when not in use to be eligible. I think that is maybe an industry wide rule though. Let's hear your insurance horror stories or praise.

11-30-2012, 02:34 PM	#11
64shortbox Registered User Join Date: Jan 2011 Location: Tulare, CA Posts: 734	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup I also have Hagerty. Less than a year of having them as my insurer the windshield got broken on my 71 Caddy Hearse $1,200.00 to replace it and they didn't bat an eye. I have 3 collector vehicles with them, full coverage with 0 deductible and pay less than $300.00 a year for all three BUT I have my 62 Pontiac torn apart and moved it to builder status. My wife and I are are in our late 50's with 2 daily drivers insured through another insurance company. My wife did have an accident 2 years ago (her faut) in her daily driver and totaled it. Hagerty went up about $25 or so I'm guessing because of that. Neither one of us have any tickets and there are no other people in our household. So far I'm happy with Hagerty.

11-30-2012, 02:43 PM	#12
TopFuel1966 Registered User Join Date: Jul 2009 Location: Menifee, CA Posts: 471	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup I have my truck insured with the SoCal Auto Club collector car insurance. It's presently in the body shop for repair of some minor damage and I would rate the claims service as 12 on a scale of one to ten.

11-30-2012, 05:39 PM	#13
dstarrett Registered User Join Date: Mar 2011 Location: fort dodge,Iowa Posts: 65	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup Got mine thru my local agent that has my personal and business ins. Declared value and expected miles driven. Very cheap. Posted via Mobile Device Posted via Mobile Device

11-30-2012, 05:57 PM	#16
mygmctruck Registered User Join Date: Sep 2011 Location: Munising , mi Posts: 144	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup Not to dispute the claim that ordinary insurance companies will pay agreed value but I had state farm and ask them about agreed value , they said they will only cover book value and nothing more. Yes the insurance was cheap $104.00 a yr but who cares when book value is way less than it's real value.

11-30-2012, 08:39 PM	#17
MikeS. Registered User Join Date: Sep 2011 Location: FarEastern WVa Posts: 1,691	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup Great thread, thanks OP for starting it. Posted via Mobile Device __________________ Past Master Triluminar Lodge #117 GL of WVa My 1963 4x4 Suburban build; http://67-72chevytrucks.com/vboard/s...d.php?t=531274 My Gallery, now with pics of my 1966 C30 motorhome. http://67-72chevytrucks.com/gallery/...&ppuser=103447

12-01-2012, 05:15 PM	#18
Sharps40 Account Suspended Join Date: Oct 2012 Location: here Posts: 2,408	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup I only traded 3 hunting rifles f/ Ol John Lee - so low investment. So far I get more value as a daily driver (10K miles in past 11 montnths) than repair costs to keep it running safe. Its been a marvelous deal for me. So, liability insurance only w/USAA. Posted via Mobile Device

12-01-2012, 05:35 PM	#19
shawno72 C/10 junkie Join Date: Nov 2010 Location: Stockton Ca Posts: 9,093	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup Subscribed __________________ Shawn 70 LWB C10 current driver/project http://67-72chevytrucks.com/vboard/s...d.php?t=663051 68 SWB C10 Work in progress.....SOLD http://67-72chevytrucks.com/vboard/s...d.php?t=559520 72 LWB C10 Sold 71 LWB C10 Sold 68 LWB C10 CST Sold http://youtu.be/kbB0QrBIs9k My mom always had the best advice. It was just a tad late. After a fall that involved blood, she'd say....."Careful!"

12-01-2012, 06:06 PM	#20
FetchMeAPepsi Registered User Join Date: Apr 2011 Location: Edmond, Ks Posts: 595	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup Brew, it sounds like she hosed you on that deal. If it was against you then it's on your record and will be for the next several years Sorry bud. I'd call them to get it fixed if you can. It can't hurt. __________________ Step by steps: Remove primer to reveal original paint Rebuild a carburetor See My Build - Cecilia! Some people are like slinkys. Not worth much but funny as heck when pushed down stairs.

12-01-2012, 08:30 PM	#21
1Bad62Pro/Street "Where were you in '62?" Join Date: Jul 2004 Location: Cleveland County, North Cackalacky Posts: 5,013	Re: Insuring Your Classic or Project 1960-1966 Chevrolet & GMC Pickup Witness (extended version): Hagerty TV commercial https://www.youtube.com/watch?v=p9A1E-0S_ZI __________________ PROJECT: "FULL METAL YELLOW JACKET" 1962 Chevy C-10 Stepside Shortbed Nostalgia Pro/Street Pickup Truck PROJECT: "FULL METAL YELLOW JACKET Build Thread What Are You Workin' On? - 1Bad62ChevyPickup PROJECT: "TYRANNORAMBLER REX" 1969 AMC Rambler American Nostalgia Pro/Street Youtube Channel: Father Son Projects Youtube Channel: 2TIMOTHY2FITHTEEN "North and South Carolina Folks Click Here!" (((( ~ I have Parts For Sale & Miscellaneous Stuff ~ )))) "Well being as there's no other place around the place, I reckon this must be the place, I reckon...Nyuk Nyuk Nyuk" -Curly Howard Ph.D.



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