Insurance?

[TypeSL2]

This is a question for you guys that own an older truck, use it like a truck on occasion, and don't store it in a garage. The wife and I are looking for an insurance company to insure our 63. We don't have enough room in our garage for her Impala and our truck. We have not yet found a company that will insure us without it being kept in a garage or using it like on truck on the occasional weekend. You guys have any suggestions? We are expecting pretty low mileage/year and have an Antique plate on it. We are all ears. Tell us what you think.

James
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[lasher78]

my wife was a state farm agent for 15 yrs and she said that they insured older vehicles like ours and yours all the time with very low yearly rates for that age truck...might give a local state farm agent a call...
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[perro13]

www.hagerty.com

[bonehead]

I just went through this exercise for my 1966 c-10. I have State Farm now so I checked with them, Hagerty and Grundy. With Grundy I got the most insurance for the cheapest price and they had no limit to the mileage I could drive my truck.

I would say check them all out and compare. Very easy

[KJSR]

I have State Farm.....90$ a year.

[TypeSL2]

I will give state farm a try Monday. Grundy, hagerty and progressive all require storage in a locked garage or storage unit. Thanks again guys. Keep the suggestions coming while I give state farm a call.

James
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[BR3W CITY]

I think you'll either end up looking for "regular" insurance, or paying a little extra because of "non-secure storage".

I know some will even charge a different rate if you have a shared unit garage (like an underground etc), vs a private garage.

[spacedebris]

Originally Posted by KJSR

I have State Farm.....90$ a year.

Its amazing how much insurance companies discriminate against people for where they live. I figured I'd see what it would cost me when I'm ready. I checked grundy and haggerty.

My first go around.. I went in and said that I wanted a 25K value, 6k miles per year. secure yard (gated) but carport. For my actual location in S. CA. Grundy wanted $1800 per year and Haggerty wanted $1680.

I tried a second time, increased value to 50k and unlimited mileage, park in driveway, but checked for NW Washingon (somewhere I would like to move to). and the costs were $600 and $450.

Now tell me that that is fair. Just because I live in S. CA they want to gouge me. I've never had an accident, never had an insurance claim, and my last ticket was more than 20 years ago. So they charge me triple for half the coverage?!?!

[Jeff La]

Insurance is the biggest discrimination allowed by law, Your rates depend on whether your male or female.

[oem4me]

Originally Posted by spacedebris

Its amazing how much insurance companies discriminate against people for where they live. Just because I live in S. CA they want to gouge me. I've never had an accident, never had an insurance claim, and my last ticket was more than 20 years ago. So they charge me triple for half the coverage?!?!

I have many gripes with the insurance industry, but a rate based upon location is not one of them. Obviously, if you live in a densely populated area with a high crime rate, you are going to pay more than if you live out in the middle of nowhere. Your particular formula (similar to mine) is simply based on a ratio of BPM (Bozos per million).

[KJSR]

Its amazing how much insurance companies discriminate against people for where they live.

I relocated from SoCal to Utah. My daily drivers dropped 400 each right off the start. My older ones didn't change much.....

[BR3W CITY]

Originally Posted by Jeff La

Insurance is the biggest discrimination allowed by law, Your rates depend on whether your male or female.

Just so you know; thats statistics, not discrimination.

If "what " you are costs the company more money on average, you get charged more.

If "what " you drive is crashed more, stolen more, raced more or totaled more....you pay more.








And if you live in Califoria....you pay more. but thats just a tax on the fact that you get better weather, hotter women, more interesting botanical products (actually you lose to Colorado but I'm trying to be nice).

[bonehead]

Grundy quote last week, Charlotte, 20K stated value, unlimited mileage, in a garage, perfect driving record, $141.00/year!!!

that is cheap... sold!

Must be the area?

[TypeSL2]

Our biggest problem is that we can't put it in a garage. The wife's Impala takes up all of the space. That was the whole reason I started this thread. I can find insurance all day long, if we could put it in a garage. We can't, so I was trying to find other options that may work for us.

James

[TypeSL2]

Originally Posted by KJSR

I have State Farm.....90$ a year.

Do you keep your truck in a garage?

James

[X Army MP]

I just got my 65 insured today through usaa. all they wanted to know is how many miles a year am I going to drive. didn't seem to care if it was going to be in a garage or not.

[KJSR]

Originally Posted by TypeSL2

Do you keep your truck in a garage?

James

They never asked and I don't keep it garaged.

[spacedebris]

Originally Posted by oem4me

I have many gripes with the insurance industry, but a rate based upon location is not one of them. Obviously, if you live in a densely populated area with a high crime rate, you are going to pay more than if you live out in the middle of nowhere. Your particular formula (similar to mine) is simply based on a ratio of BPM (Bozos per million).

Actually, Ventura was voted the most desirable location to live in in the US by Money magazine in 2006 and has been in the top 10 on most "most desirable places to live lists" for the last decade or so. Our crime rate is 3.1 with a national average of 3.9 and the NW Washington that I chose for my comparison has a 4.2. Now granted, CA has more crime than most of the country combined, but if they really wanted to go by where I live and "property crime rates" my rates should be lower than WA. Also my 22 years of accident free driving, and my award from my previous employer for 1 million safe driving miles (paid mileage, actual mileage closer to 1.2 million miles) should all get me lower rates. But because I live in CA (even though it is one of the safest communities in the nation) I get gouged.

No, statistics ARE discrimination, nothing but. I am not a statistic, I am an individual.

Ok off my soapbox. lol

[spacedebris]

Originally Posted by BR3W CITY

And if you live in Califoria....you pay more. but thats just a tax on the fact that you get better weather, hotter women, more interesting botanical products (actually you lose to Colorado but I'm trying to be nice).

Better weather, maybe. I'd like to see a little more rain. We are in drought conditions. Just came off a span o 649 days of no measurable rain.

Hotter women. I guess if you like plastic and silicone. I personally prefer farmers daughters from KS and MO, myself

Botanical products...you know why they call it weed dont you? it grows everywhere.

[billd5string]

I've got geico, and my truck isn't parked in a garage either. I don't think they even asked. Hagerty wouldn't insure it because it wasn't in a garage, and could be used daily. Progressive wanted way too much money.

[1963c-10]

I have usaa and my truck is not garaged, although I'm building a 25x50 ft barn for it right now. Runs me $30 a month

[BigDan3131]

If you have the space for it you can either buy or lease one of those cargo containers converted for vehicle use instead of building anything.
Now another reason ins. is so high in Cali is the amount of people living there, the majority of the people that make up WA are on the west coast.

[Vernski]

If gambling is illegal then Insurance co's should be illegal. I know it's a necessary evil but I still don't like having to pay for their golfing trips to Hawaii or those hi-rise office buildings that are so purdy. Before anyone pop's a cork I have a few friends that work in the industry so I have a little insight. Century 21 seemed about the best price to me. I don't drive many miles and I keep it in the shop. Also I am re-tired plus they check your millage but that works out for me. This is also the min required in Idaho for 3 vehicles @ $200 yr..Vernski

[gofastnut]

Hey guys,
Please don't overlook the "actual" versus "Agreed upon" value. I could get my truck insured locally for $45/month for "actual" blue book value, which, in it's current condition, is $19.50 short of a $20.
OR, I could insure it for $5,000, 1500 miles a year, must be in a locked garage, for $90/year.
When I was younger, I had my Nova insured for $5000, or so I thought. I got T-boned, but not too badly, they wanted to total the car since the repairs exceeded $1200. I was also paying $140/month...

[Sharps40]

I use USAA. 65 C10 Full Coverage, about $9 more per year than liability only. Modern tag, no restrictions on driving or mileage. I claim between 6K to 15K miles per year. Accident estimates would be made on value at time of accident, not a set value/appraised value like the very limiting insurance you describe. Risk with my insurance coverage is the accident damage exceeds 50% to 75% value and the truck, though potentially repairable, goes to salvage title.