Insurance on your ride

[greguw]

Hey guys ,
I'm getting down to a few weeks before my build is complete , I have more money in my build than I will ever insure it for .
Not sure if I am going to go to a classic insurer ... my build is far from a stock truck with 42's and a cummins .
The truck is basicly a weekend sunday get a little mud on the tires but nothing to extreme , its not going to do a lot of miles .
How are you guys insuring you rides ?

Thanks

Greg

[ChevyMutt]

I only had liability on my truck when I got it done last time. After it cought on fire & burned I realized how much money actually went up in smoke (literally)... It's being re-built now and when it's done it will be appraised & insured for the appraised value. It might cost me more, but it can't cost more than what I'm putting into it now.

[greguw]

That sucks to hear buddy ... I actually just mounted up a big fire extinguisher in my beast ... plus its diesel .
I know what your saying about insuring for full coverage ... I have a pile of invoices for atleast 30k .
I would like to find a company thats just going to insure for total loss ... I'm never going to turn in a claim for some BS stuff ... I built this truck .
Thanks for the insite .

[v30crewcab]

I've always just run liability, but when i get it rebuilt from my recent wreck, I'm thinking about upgrading abit. not sure what to go with, but I got alot of money in it!

[BaggedRanger]

Right now mine has full coverage.. However they are only covering it for what the sale value was back in 1974.. So Not going to get a bunch out of it right now. However once it is done I will get specialty insurance (USAA Does offer it) for the replacement value.

[ChevyMutt]

Originally Posted by greguw

That sucks to hear buddy ... I actually just mounted up a big fire extinguisher in my beast ... plus its diesel .
I know what your saying about insuring for full coverage ... I have a pile of invoices for atleast 30k .
I would like to find a company thats just going to insure for total loss ... I'm never going to turn in a claim for some BS stuff ... I built this truck .
Thanks for the insite .

Fire extinguishers (yes, plural) will DEFINITELY be added accessories when it's done this time! I haven't done it yet with the truck, but I've done it like I described with bikes in the past with little to no trouble. If you have a good insurance agent just tell them what you are looking for and they can custom build a policy based on your needs. When I had the custom policy written for the bike I raised the deductible to an ungodly amount because I (like you) wasn't going to turn in a claim if it got knocked over or dropped with minor damage. I was just looking for something to cover a total loss, or major accident.

[68Timber]

Even for my two projects I've got full coverage, it wasn't much more. I'd like to get a stated value policy for the 79 when it gets to a certain point and the 85 when it gets further along.

[misternash2]

where do you insure through john?

[Dalaigh]

What year is your truck and is it going to be your daily?

Also remember some insurance companies won't insure lifted trucks!

[misternash2]

I don't know if you're asking me, but I've got an 88 burb. Yes it will be my daily driver. In about another month, not that I'm counting days or anything!
Posted via Mobile Device

[Nothinghead]

Mine has full coverage at it's original price, but, like everyone else it seems, I plan to have it insured for more when it is all fixed up.

[Dalaigh]

Originally Posted by misternash2

I don't know if you're asking me, but I've got an 88 burb. Yes it will be my daily driver. In about another month, not that I'm counting days or anything!
Posted via Mobile Device

I'm asking the OP

[greguw]

Also remember some insurance companies won't insure lifted trucks![/QUOTE]


Never had a problem with insurance companies insuring lifted trucks or jeeps ... Think it was more of a problem with law enforcement , but after they seen I owned my own state inspection shop never got a ticket ... I allways build safe trucks .

[Jonboy]

I would check out Hagerty. I have my '74 (and my Mark VII) insured through them, and it is substantially less expensive than my other cars. They do place a mileage restriction (6000 miles annually), but will also stress that they don't check the odometer readings, either. If you have the reciepts to back up the stated value, you shouldn't have any problem.

[rs72z]

Hagerty, Grundy just to name a few that specilize in collector car insurance. It's normally cheaper than your daily driver and it will be a stated value.
State Farm is also handling collector cars now also.

[misternash2]

thanks rs. i insure through state farm already.

[67swb72klb]

x 2 state farm

[motornut]

coverage one side on the trucks,the side that gets hit,
seems to be the drivers side lol
both sides on the cars tho

[Dalaigh]

Originally Posted by 67swb72klb

x 2 state farm

Be careful with State Farm, I just left them because my rates were going up at ridiculous intervals. They have lose a lot of money in the south with Katrina, and they are trying to recoup the losses wit customers in the north. I switched to all state, which covered my 84 as a classic, and I'm saving $100 a month on my payment, and I have better coverage.

[Nothinghead]

If you are eligible, check out USAA. I have nothing but good things to say about them. Cheap and good customer service.

[ghettoluxury]

My insurance company said that full coverage would not cover my costs. They set it up for a set amount that they would cover and it is more than I have spent to build it so I am happy.

[manimal]

I have full coverage on my '89 Suburban R2500 through AAA(Auto Club),actually have all three of my vehicles with full coverage....1999 Toyota Corolla,1989 'Burb, and 1982 Silverado 1t, I pay for 9mo of the year. I think my premiums are around 1300 yr for all 3

[Mr. 250r]

Liability on my 91 burb former daily driver soon to be again, full on the 88 iroc as thats all i could get and full on the 04 cummins as thats all i could get for it

[Number21]

Originally Posted by Jonboy

I would check out Hagerty. I have my '74 (and my Mark VII) insured through them, and it is substantially less expensive than my other cars. They do place a mileage restriction (6000 miles annually), but will also stress that they don't check the odometer readings, either. If you have the reciepts to back up the stated value, you shouldn't have any problem.

X2. I checked for my truck and they want $190 per YEAR for full coverage. Unfortunately I'm not eligible since it's my daily driver. When I get another truck I'm definately going with them. My dad has had his '67 mustang insured with them for years and they've never checked the mileage, though I think they wanted a picture of the garage it has to be stored in.

[special-K]

I have my '85 Jimmy (lifted) occasional driver tagged historic and insured with Haggerty for stated value. I sent them pictures and stated the value,which they agreed on. It's inexpensive and the vehicle's covered for what it's worth...more than I have in it.