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Old 05-09-2019, 01:21 PM   #1
Minkota
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Insurance

I am shopping around for insurance on my 67, a friend suggested I use Haggerty or Grundy.

I have a garage but the mileage restriction is what has me worried. I have heard it only allows you to drive up to 3500 miles a year. that doesn't seem like very much.
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Old 05-09-2019, 01:35 PM   #2
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Re: Insurance

.
I've got Hagerty w/stated value and no mileage restriction. I've read Grundy is less expensive though.

Hth,

-klb
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Old 05-09-2019, 01:51 PM   #3
67/Heaven
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Re: Insurance

The Hartford has a partner group that does classics (American Modern Insurance). I pay no more than 300 a year for my 67, full coverage. They will require photos of the truck prior to issuing the policy.
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Old 05-09-2019, 03:48 PM   #4
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Re: Insurance

Hagerty's here @ $600.00 per year....$35,000 stated value, zero deductible and my wife and 17 year old son can drive it.
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Old 05-09-2019, 03:56 PM   #5
67ChevyRedneck
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Re: Insurance

I don't know why Hagerty is so dang high on trucks. I just renewed my policy for my 68 firebird and 65 mustang, both $25K value, and it's $425 total combined for both. I called about adding my C10 and it was going to be $400/yr for a 15K value.

I see it time and time again on here and my facebook groups of guys getting screwed out of money in accidents because they had "regular insurance", or they had to fight extremely hard to get paid. Classic insurance is the way to go.
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Old 05-09-2019, 11:14 PM   #6
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Re: Insurance

Call the national corvette museum..........

https://ncminsurance.com/

super nice down to earth people to deal with and great insurance.
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Old 05-09-2019, 11:22 PM   #7
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Re: Insurance

We have Grundy on our show truck. Agreed value coverage, no deductible, glass, towing, no mileage restrictions just no daily driving or errand running and no drivers under 25.
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Old 05-10-2019, 06:24 AM   #8
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Re: Insurance

Quote:
Originally Posted by 67ChevyRedneck View Post
I don't know why Hagerty is so dang high on trucks. I just renewed my policy for my 68 firebird and 65 mustang, both $25K value, and it's $425 total combined for both. I called about adding my C10 and it was going to be $400/yr for a 15K value.

That doesn't make sense.. I have Hagerty on my '70. $112/year for $7K worth of coverage. (No accidents/adults over 30yrs old)
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Old 05-10-2019, 06:47 AM   #9
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Re: Insurance

Yeah, maybe it's age. My '72 ins. w/Haggerty runs about $168. I don't recall ever telling them the miles on the truck and I don't have to report it annually. They don't dictate how I use the truck or when, other than no cargo or commercial use.
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Old 05-10-2019, 08:51 AM   #10
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Re: Insurance

Quote:
Originally Posted by saxart View Post
That doesn't make sense.. I have Hagerty on my '70. $112/year for $7K worth of coverage. (No accidents/adults over 30yrs old)
I did a new quote, came back with $258/yr for 15K coverage on my C10. I put "stock" this time. Still almost $60 more per year for half the value of my cars? A lot depends on location. I'm near a decent sized small city with a quite sizable urban sprawl area. Lots of idiots to run into you. No reported accidents or tickets in almost 20 years.
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Old 05-10-2019, 08:58 AM   #11
67ChevyRedneck
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Re: Insurance

Ah ha! I just ran stock vs. modified, I changed NOTHING else. I must have put modified when I got the $400 quote. I'd say when it comes down to it, take away the static drop and mine is pretty much "stock".
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1967 C10 SWB Stepside: 350/700R4/3.73
1965 Ford Mustang: 289/T5-5spd/3.25 Trac-Loc
1968 Pontiac Firebird: Project Fire Chicken!
2015 Silverado Double Cab 5.3L Z71
2011 Mustang V6 ~ Wife's ride
American Born, Country by the Grace of God
1967 CST Shop Truck Rebuild!
My 1967 C-10 Build Thread
My Vintage Air A/C Install
Project "On a Dime"
Trying my hand at Home Renovation!
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Old 05-10-2019, 10:35 AM   #12
Minkota
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Re: Insurance

Thanks for the input. I ran into same thing with Haggerty. but I guess $300 a year isnt a killer.

Has anyone ever had to make a claim with them; how did it go?
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Old 05-10-2019, 11:09 AM   #13
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Re: Insurance

I had one with hagerty very smooth . Neighbors landscaper backed into my car . His insurance balked at the estimate and pretty much refused to work with me So I had hagerty pay then subro the damn gecko. You can see his hitch that did the damage. Backed up instead of forward.

I did all the work myself.
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Old 05-10-2019, 11:26 AM   #14
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Re: Insurance

Quote:
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I did all the work myself.
nice job if thats a before and after...
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Old 05-10-2019, 11:42 AM   #15
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Re: Insurance

Quote:
Originally Posted by 67ChevyRedneck View Post
Ah ha! I just ran stock vs. modified, I changed NOTHING else. I must have put modified when I got the $400 quote. I'd say when it comes down to it, take away the static drop and mine is pretty much "stock".
Hagerty bumped my policy price up after they noticed my truck had BBC via the pictures I sent in. They explained the truck isn't "stock" and so the price change.

This was just a few weeks after the initial policy was written up from a phone conversation.

I have had one claim after a gal ran into me. Hagerty handled it pretty good -- they paid up and the truck is back to lookin' good again.

Hth,

-klb
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07 335 sport turbo 6sp
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Old 05-10-2019, 01:10 PM   #16
72c20customcamper
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Re: Insurance

Quote:
Originally Posted by Minkota View Post
nice job if thats a before and after...
Yup a year later but it was done in about a month.
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Old 05-15-2019, 08:17 AM   #17
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Re: Insurance

Well gieco wanted 530/yr for liability on a truck they value at like 3k. 6k miles a year no restrictions. Ill be changing soon.
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Old 05-15-2019, 08:30 AM   #18
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Re: Insurance

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Well gieco wanted 530/yr for liability on a truck they value at like 3k. 6k miles a year no restrictions. Ill be changing soon.
My quote from Geico was high as well.
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Old 05-15-2019, 08:40 AM   #19
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Re: Insurance

$155 CDN/ year with Hagerty called Lant in Canada. $8000 coverage.
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Old 05-15-2019, 12:55 PM   #20
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Re: Insurance

Quote:
Originally Posted by Myself View Post
We have Grundy on our show truck. Agreed value coverage, no deductible, glass, towing, no mileage restrictions just no daily driving or errand running and no drivers under 25.
No errand running? What do they expect, to and from shows only?
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Old 05-15-2019, 12:59 PM   #21
Minkota
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Re: Insurance

Quote:
Originally Posted by Myself View Post
We have Grundy on our show truck. just no daily driving or errand running
Does that mean there is a "Attendance Clause" in the policy?
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Old 05-15-2019, 01:13 PM   #22
MySons68C20
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Re: Insurance

As far as I'm concerned I'm just going to the gas station all the time.
I don't think that goes against any of their rules.

Last edited by MySons68C20; 05-15-2019 at 01:18 PM.
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Old 05-15-2019, 03:35 PM   #23
67ChevyRedneck
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Re: Insurance

No need to lie with Hagerty. They give you "occasional use" options:

Define "occasional". Before it started raining buckets almost every Friday for the last 6 months, I was driving either the C10 or Mustang to work every Friday.

I do think anything past "seasonal" and they either won't insure it as a classic or you're going to pay a really high rate, but I don't think many people really need anything past "pleasure" driving anyway.
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1967 C10 SWB Stepside: 350/700R4/3.73
1965 Ford Mustang: 289/T5-5spd/3.25 Trac-Loc
1968 Pontiac Firebird: Project Fire Chicken!
2015 Silverado Double Cab 5.3L Z71
2011 Mustang V6 ~ Wife's ride
American Born, Country by the Grace of God
1967 CST Shop Truck Rebuild!
My 1967 C-10 Build Thread
My Vintage Air A/C Install
Project "On a Dime"
Trying my hand at Home Renovation!
1965 Mustang Modifications!
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Old 05-16-2019, 11:10 PM   #24
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Re: Insurance

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Originally Posted by 70STOVEBOLT View Post
No errand running? What do they expect, to and from shows only?
No, pleasure driving is also allowed as much as you want without mileage limitations. I suppose if you got hit and had a bed full of lumber that would be called running errands and they might decide not to pay you.
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