C10 Insurance Opt

[Luke87gt]

Hi guys,

I have to insure my 1969 c10.

My current 21st Century insurance does not insure before 1980.

Wondering if you have any recommendations?

GEICO seems to have decent rates.

Thanks

[Palf70Step]

I am using grundy for my 70. Nocomplaints, but i have never needed to do a claim.

['68OrangeSunshine]

My '71 GMC Jimmy K/1500 is insured thru Hagerty as a classic vehicle.
By using a Year Of Manufacture* license plate and the collector car insurance, I got a much lower rate [~$250/year] and the Jimmy is exempt from annual ADEQ emissions testing.
* It's a lemon yellow Arizona plate [1969 - '72] with a '71 year sticker.

[1970 CST Short Wide]

I had Hagerty agreed value of $20,000 at $430 a year. Someone said look at Grundy so I did. They Quoted me Agreed value of $30,000 at $258 a year. Yep I have Grundy

[chevmn]

I was surprised to find out that my insurance company offered a "classic" policy. I pay roughly $50 a year (liability only of course), but I can purchase additional coverage if I so choose. I am likely foolish by not adding enough to at least cover what I have invested, but there comes a point to where you eventually would break even with what you pay out. I know my wife suv is about $1,000 a year (has constantly gone up each year and it is not 4 years old), and it is sickening. Since my old truck is only driven a few hundred miles a year, and is on yom plates, I will likely take my chances on it, and save where I can.

[weq92f]

Originally Posted by 1970 CST Short Wide

I had Hagerty agreed value of $20,000 at $430 a year. Someone said look at Grundy so I did. They Quoted me Agreed value of $30,000 at $258 a year. Yep I have Grundy

.

Same here...35k agreed value, no deductible, full coverage. Had Hagerty for a long time and recently switched to Grundy for a huge savings. Was done mostly Online for setup and underwriting...called over phone to clarify a few things.

-Kevin

[franken]

I'm curious. Is C20/C30, etc. ins. different?

[mr48chev]

Originally Posted by franken

I'm curious. Is C20/C30, etc. ins. different?

Some companies claim that a C20 or 30 is a heavier truck and will do more damage to another vehicle in an accident and charge you more for liability.

I don't own a vehicle valuable enough to carry more than liability on but when I insured my 71 GMC 3/4 ton the insurance agent told me that.

I've had Progressive on my car, truck and boat for years and do all my insurance on line. I've never met the person who is supposed to be my insurance agent.

[1970cstblazer]

I use State Farm, but Hagerty is a well respected company that insures classics reasonably.

[Palf70Step]

Only thing I didn't like about Hagerty is they would not come off of the 5K a year mileage limitation. Grundy is not unlimited like the commercials use to say but they agreed to the mileage limits I wanted, and was a tad cheaper than Hagerty. I had some friends that could not get classic or collectors just because it was a commercial (3/4 ton & above) vehicle.

['68OrangeSunshine]

Originally Posted by Palf70Step

Only thing I didn't like about Hagerty is they would not come off of the 5K a year mileage limitation. Grundy is not unlimited like the commercials use to say but they agreed to the mileage limits I wanted, and was a tad cheaper than Hagerty. I had some friends that could not get classic or collectors just because it was a commercial (3/4 ton & above) vehicle.

I have a Hagerty policy on my '71 Jimmy and have no mileage limits.

[A1971Blazer]

I have four classic vehicles with Hagerty
my newest 67 c10 resto-mod is valued at 100K with "cherished salvage coverage"
if it's ever a total loss...100K payout and keep the truck
I have 3 others as well

Your agent is the key to successful interaction with the insurance company
I have everything I own through a life long friend as my agent.
Any claim I have ever had is one phone call to him and it's good to go.

[72SB]

Grundy 72 C10 for $40k agreed value. Full coverage, no deductible. $116 a year added to my existing Grundy policy.

When I got Grundy for my collector cars several years ago I did the whole thing online, never spoke to anyone, sent in a few pics of each car. Insurance policy and cards were emailed a few weeks later

Have made 2 small claims over the years (windshield and fender), no hassle repair at any location I chose. $ sent to me electronically next day. I pay shop.

[LS short box]

We have State Farm for daily drivers and hot rods. The hot rods are agreed value.

[57taskforce]

Hagerty here with a $40,000 agreed value on my Camaro SS, $12,000 on my IROC-Z, and $17,000 on my K20. It’s about $110 a month all of them with no deductible. The only one with any mileage limit is my SS because I chose it that way-it only sees a 1,000 or less miles a year normally.

[Accelo]

I use American Modern Insurance Group
Saved me 30% over Hagerty.
Results may vary.
They can insure in all 50 states.

Their is a mileage limit, but I never get close to it and if I am don't use the miles they roll over to the next year.

[Luke87gt]

Thank you for all the responses

I ended up going with GEICO. They added the truck as an additional vehicle to my wife’s existing insurance plan for $77 per 6months (full coverage with towing plan)

As the truck is restored with additional value, I’ll step up the coverage in the future.

This was all prompted because I got a letter from the DMV threatening to suspend my registration if I didn’t show proof of insurance.

[Accelo]

No such laws here in WA State.
The last three crashes I have had friends and relatives involved in were with others who didn't have insurance.

A gal drove off the road missing the front of my parked and restored truck, missing it by a foot. Crashed through the curb and got high-centered. Early morning, failure to negotiate a straight away. Dumbest car wreck I have ever seen.

[Luke87gt]

Originally Posted by Accelo

No such laws here in WA State.
The last three crashes I have had friends and relatives involved in were with others who didn't have insurance.

A gal drove off the road missing the front of my parked and restored truck, missing it by a foot. Crashed through the curb and got high-centered. Early morning, failure to negotiate a straight away. Dumbest car wreck I have ever seen.

This is puzzling to me too because I’ve been in incidents (one quite recently) with an uninsured motorist. Somehow they had registration. Not sure if this is a new thing or not.

[Rust_never_sleeps]

Proof of insurance at the time it was registered doesn't guarantee they didn't let it lapse.
The required minimums for liability in CA haven't been updated in decades either, so un/under-insured motorist coverage is a necessity