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Old 09-14-2018, 04:54 PM   #1
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Location: Durham ,NC
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Insurance coverage

Need some recommendations for insurance. I've realized that my regular auto policy for my 71 Jimmy is inadequate but haven't done anything about it for a while now and just talked with American Collectors Insurance who I was referred to by USAA. Their policy cost was reasonable for an estimated vehicle value of $12,000 but when we got into details is where I have problems with it. This isn't a 4 wheeling truck but it isn't a show truck either- just a good, solid driver.

I keep it in a locked garage and use it for cruising when the weather is good but I also take it for weekend trips here and there a few times a year when we stay at a hotel. They said their coverage would not allow for the overnight stays which is a big problem for me. I asked what people do when they take their cars to shows in other states, etc. and they said that was different if it was going to a show.

So there's got to be another insurance company out there that allows for something like this, right? Would love to hear some experiences.

I apologize if this has been discussed before on the forum but I usually hang out on the Blazer/Jimmy page and figured I'd get more responses on this forum. Thanks
Dan Smith
1971 Jimmy

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Old 09-14-2018, 05:58 PM   #2
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Re: Insurance coverage

Check with a State Farm Agent. Currently have mine insured for a stated value with AAA. But am going to check with my State Farm Agent whom I have dealt with for 25 yrs. At the time I went with AAA I didn't know that they offered this type of insurance. A local agent is more likely to work with you. I'm sure the other companies also offer a coverage and their restrictions will no doubt vary some as well. Especially with your type of use and storage.
'71 Short Fleetside
Spring Valley, Ca.
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Old 09-14-2018, 06:21 PM   #3
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Re: Insurance coverage

I've got Hagerty and it's a breeze. I ever asked them about keeping it at home or taking it overnight, though... Maybe it's time I give them a call
1968 GMC C2500 Long Bed Fleetside
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Old 09-14-2018, 08:02 PM   #4
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Re: Insurance coverage

Be sure you understand the difference between Agreed Value vs. Stated Value Insurance before you take out ANY policy.
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Old 09-15-2018, 01:32 AM   #5
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Re: Insurance coverage

I have Hagerty insurance and am very happy. I have collector plates(pleasure use only) and the mandatory basic insurance through ICBC(Gov insurance). The Hagerty portion is $190CAN a year with a guaranteed value of $20,000. Includes flatbed towing, gas, lost keys etc. I needed the tow service when one of my push rods decided to punch through a rocker arm. Hagerty had a flat bed on site in less than twenty minuets and towed the truck to my house about an hour away. The driver put my truck right in the garage. The way I see it my Hagerty has already paid off for the year.
1969 C20 Customer Camper CST, 396, TH400, Factory A/C, Olive Green.
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Old 09-15-2018, 03:57 AM   #6
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Location: Tucson, AZ USA
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Re: Insurance coverage

I have my '71 GMC Jimmy with Hagerty. Agreed value of $10,000. Also Year-Of-Manufacture 1971 AZ plates. [Keeps me from having to run it thru emissions.]
I read the policy carefully. I saw no restrictions on mileage or using for work.
Last season, I scraped bumpers in a parking lot with a co-worker's not-so-late model red Ford Explorer. He had a plastic bumper, mine was chromed steel. I did considerable damage to the Ford. Just some faint red paint smears on my blue Jimmy. Hagerty paid the claim. My annual insurance premium went up a whole 10 dollars, unless that was for inflation.
They didn't drop me either.

Every 25 years I like to rebuild that 292, whether it needs it or not.
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Old 09-15-2018, 09:03 AM   #7
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Location: St. Croix River Valley, WI
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Re: Insurance coverage

I agree with the others....Hagerty.

Signing up was easy. I filled in all of the info on their online site. The next day someone called me to verify a few details, and that was it. There was not need for an inspection or even photos. Everything went very smoothly, and the price was great.
Meet "Old Roy":
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Old 09-15-2018, 09:09 AM   #8
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Re: Insurance coverage

Thanks for the replies. I did an online quote from Hagerty and it also seems reasonable and doesn’t have all of the restrictions that American Collector Insurance did. $267/yr for a guaranteed value of $14k.
Dan Smith
1971 Jimmy

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Old 09-15-2018, 11:00 AM   #9
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Re: Insurance coverage

So Hagerty has changed there stripes at one time you could only take it to shows if you ever went out to eat and some one hit it Its on you

Grundy Is different Unlimited mileage It has no restrictions.Check the policy
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Old 09-15-2018, 11:39 AM   #10
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Re: Insurance coverage

Exactly, read the contract carefully. They'll tell you there are very few restrictions when there are.

I don't know of any collector insurance that doesn't

Like mentioned above regular policies with a Stated value clause have their downsides too.
My Classics:
'72 K20 Suburban + '65 Dodge Town Wagon
'72 Corvette Roadster +'67 Corvette Roadster
'73 Z-28 Camaro
'63 Ford SWB Uni Pickup
'50 Ford Coupe
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Old 09-15-2018, 12:40 PM   #11
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Location: sparks, nevada
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Re: Insurance coverage

Everyone’s happy with cheap price until you actually have a claim. I have a thread documenting my blazer that was hot when parked. Driver had Allstate and I had StateFarm. You should realize once a claim is submitted it’s out of your hands. My blazer was totaled out and I fought for a fair payout which I
got finally. Even when I told them keep their check, I wanted to keep it with a clean title they said state was notified already it was totaled and not registrable. I bought it back cheap but process def not fair
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Old 09-15-2018, 01:26 PM   #12
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Re: Insurance coverage

Get a quote from these people, I switched from Hagerty several years ago. Hagerty wouldn't insure the '70 Nova when I bought it because of the nitrous system. No claims with Hagerty. I insured both trucks PLUS the Nova for a little less than just the trucks w/Hagerty. Had a windshield repair on the GMC recently, nice service, no deductible. No restrictions on use I can't live with. I sold the Nova but have the two trucks and an enclosed car trailer insured with them. Argeed value, $25k on the Blazer, $20k on the GMC & $9k on the trailer and the premium is a little under $600 a yr. Never had and hope I never have a major claim but they get a lot of good reviews.
Dad always said, "Son, WISH IN ONE HAND, and ......."

'71 GMC 1500 SUPER CUSTOM short/step, orig. dk. blue, 350/700r, ps,pb, A/C
'72 Blazer 2wd, ochre & white, 454, tremecTKO 500 5spd. ps, pb, A/C, tilt
'66 Plymouth Belvedere City of Miami cop car clone

'70 Nova 406"sb, 13.5-1, solid roller, Brodix, p.glide/t.brake, back halved, 9" Ford, spool 4.88, cage,ladder bar/coilover, 10.5 tire....... SOLD!!
'67 C10 short/step side mount spare -- shop ornament, needs resto.... SOLD!!
'72 Jimmy 2wd, 350/350, ps, pb, fun driver, lots of bondo & a shiny red paint job..... SOLD!!
'69 Nova 350, 4spd, A/C, ps, p.b, needs resto...SOLD!!
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Old 09-16-2018, 12:42 PM   #13
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Re: Insurance coverage

Iíve got mine covered with Condon Skelly. In NC they canít insure liability so I pay like $15 a month to have liability with State Farm (same policy as our daily drivers) and have a separate policy to cover the value of the old trucks with Condon Skelly on a comp collision only policy. Cost me $350 a year to have full agreed upon value coverage on my 72 jimmy and my orange 72 Chevy with values that I set and zero push back from them. No claims so far but they were great to work with on the front end.

1972 Chevy SWB Cheyenne Super JANE
1972 GMC Jimmy PENNY
1968 GMC patina swb PEARL
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