Update...Insuring your truck...a note of caution. - The 1947 - Present Chevrolet & GMC Truck Message Board Network

**70cst** · 01-21-2009, 04:03 AM

http://www.grundy.com/

http://www.hagerty.com/

I called the above companies to get rates and they had really good rates but...A couple of things you need to know...
1) Both companies said no hauling. If I wanted to haul mulch and I had a wreck its possible the insurance would not cover my truck.
2) Running errands are not allowed and my truck canot to be used as a back up.
*If I was using my truck as a back up and had a fender bender-my insurance may not cover my trucks damage
*If I was using my truck to run errands and I had a wreck and I got into a fender bender-the insurance might not cover me.

These cconditions were on a separate form that I would have to sign... stating my truck would not be used to run errands or as a back up vehicles.
My present insurance company will insure up to $24,000 but it does not have restrictions and will cost me about $100 more a year. To me I am not willing to risk having an accident and not being covered because I ran to the parts store to pick up parts. Oh yes...I could fight it but who do you think has deeper pockets to contest a fender bender under these circumstances. Just thought I would pass this info on to you.

OARNGESI · 01-21-2009, 04:09 AM

thANKS WHAT GOOD IS THE TRUCK IF YOU CANT SEE IT AS YOU SEE FIT NO ERRANDS THATS JUST A WAY TO GET OUT OF PAYING WHAT IF YOU HAD A LETTER ON YOUR DASH YOU USED THE TRUCK TO GO TO THE POST OFFICE AND THEIR NOT RESPONSIBLE SOUNDS THEY ONLY WANT TO COVER IT FROM THEFT THANKS FOR THE FYI

kookykrispy · 01-21-2009, 04:55 AM

Yeah I decided NOT to go with haggerty for this same reason

Andy4639 · 01-21-2009, 06:04 AM

Most insurance company's like this have these little condiitions so you have to only say it's a show vehicle.
I pay the full amount and don't worry about it. I pick and choose when I drive mine.

big_al_71 · 01-21-2009, 08:20 AM

Go with this company www.heacockclassic.com the only restriction is that I could only drive it 3k miles a year which for me is plentyfull since my truck is just a weekend toy and it sits weeks at a time. It is insured for 30k and it costs me $190.00 a year if I remember correctly.

Gray Ghost · 01-21-2009, 08:26 AM

Who handles your insurance 70CST?

**70cst** · 01-21-2009, 09:13 AM

Quote:

Originally Posted by Gray Ghost

Who handles your insurance 70CST?

Warner Insurance out of Arcanum Ohio...As far as the carrier I will have to fond out. The only down side is my truck is only insured for $24k and I wanted it to be covered for $30K but I can drive it as I please with no retrictions. They did say keep the yearly milage under 3,000 miles which will not be an issue.

I will get home Friday or Sat. this week. I will see who the carrrier is.

**leddzepp** · 01-21-2009, 11:52 AM

Those aren't insurance companies, those are scam artists! They have enough loopholes in their wording that they could get out of paying almost any claim. Pay the extra $100 a year for real insurance. My .02

**LEEVON** · 01-21-2009, 12:38 PM

I have Hagerty at $20K on my truck, and it's about $250-300/yr. It's not just errands, but you can't drive to work either. If I recall correctly, a policy like Hagerty or Grundy is a TRUE full value replacement for amount insured, no questions asked whereas "stated value" policies don't necessarily pay out your stated value (they will depreciate and comp your truck like a normal policy, even if you have a stated value on record).

There are some good threads here somewhere on this from those with experience filing claims. I just know that Hagerty pays with little or no hassle. Lose your truck, get a check. BUT, if I can get a better premium with less restrictions than I'm all ears.

I'm going to check out the company that Big_Al_71 mentioned. That's a smoking deal especially for Miami! We used to live there and we moved from Miami-Dade to Broward in the same month I turned 25. My regular car insurance was cut by around 30%. A couple years later we left the state and it was cut again by 30%. AHHH, the fun of South Florida.

EDIT: Aha, found the link I was thinking of right under my nose in FAQ. Thank you Zonaman:

http://67-72chevytrucks.com/vboard/s...d.php?t=185660

70cstjr · 01-21-2009, 12:53 PM

Quote:

Originally Posted by 70cst

Warner Insurance out of Arcanum Ohio...As far as the carrier I will have to fond out. The only down side is my truck is only insured for $24k and I wanted it to be covered for $30K but I can drive it as I please with no retrictions. They did say keep the yearly milage under 3,000 miles which will not be an issue.

I will get home Friday or Sat. this week. I will see who the carrrier is.

im pretty sure you have EMC insurance, cause it was the same thing they stuck me with when i got my own vehicle, i have sense changed to cincinatti insurance company..but im almost possitive u have EMC
http://www.emcins.com/

brendonak · 01-21-2009, 01:02 PM

If you guys don't mind saying, how old are you? I'm 23 and the way my truck is insured is they take the original MSRP from 67, apply depreciation to it, and that is the amount that the truck is worth according to them. Normal coverage is applied, property damage, etc.

Basically they value my truck at like 20 bucks, since it was about 1500 new in 67. I tried a classic car insurance company, but you have to have your license for at least 10 years (got mine at 16), and have an enclosed parking space (which i do not).

Oh, and I'm with USAA

**Hart_Rod** · 01-21-2009, 02:00 PM

It's crazy that they will insure a $60K escalade and allow someone to put unlimited miles on it, but won't insure a pickup truck for $30K AND you can only drive it 3K miles a year,

.

67ChevyRedneck · 01-21-2009, 04:31 PM

I have a stated value policy with state farm. I can drive it whenever, wherever, and it has collision, etc for $400/year. What good is a classic insurance policy if I can only drive it to car shows?

1968SWBBigBlock · 01-21-2009, 04:31 PM

Good eye 70cst - I missed that with the quote they sent to me.
I am currently running allstate for a 15K value for 240.00 per year.

**tkeduk8r** · 01-21-2009, 04:59 PM

I had the same response from Hagarty and Grundy. They are great for collector cars but the are just the opposite with trucks. I only pay 219.00 per year on my 72 vette, but for the trucks the list of restrictions was endless.. the only thing I really cannot do with my vette is drive it to school (where i teach), and in the snow (which I wouldnt do anyway)... with the truck, anything that had to do with using it as a truck would be uninsurable. Very frusterating... with that said however I should take some pix of what people actually have "Collector" tags on up here in MN and I guess I can see why....
--Mike

**Yukon Jack** · 01-21-2009, 05:12 PM

Just requested a quote from Heacock. We'll see how it compares to my current coverage.

*Edit - Just noted however: Autos we insure may not be used for commuting to or from work or school, used for business purposes or as a substitute for another auto.

There goes that idea, I drive my vehicles once a week or so to work as that is how I enjoy them! Oh well.

**70cst** · 01-22-2009, 12:14 AM

My age is 56 yrs old. My rate is going to be just a tab over $300 per yr. with the only restriction to keep my truck under 3,000 miler per year but no restrictions to where I drive. As long as I keep my truck cleaned and wax sort of speak...my insured value will remain at $24,000. The other companies will insure my truck for $30,000 but I don't care for all the restrictions. I guess I am not willing to risk having insurance with restrictions that can give them opportunities to not pay if I have a mishap. JMHO I just wanted to make you all aware of the fine print of these insurance policies. When it comes to insurance...its better to be proactive.

Camper Power · 01-22-2009, 01:50 AM

thank god i like to keep my hands dirty and dont spend much money, 17 year old driving a $13k paying $2200 a year for insurance WITHOUT collision

IvelDesigns · 01-22-2009, 02:09 AM

Quote:

Originally Posted by Hart_Rod

It's crazy that they will insure a $60K escalade and allow someone to put unlimited miles on it, but won't insure a pickup truck for $30K AND you can only drive it 3K miles a year,

.

completely agree. it makes no sense.

**STP67-72** · 01-22-2009, 08:45 AM

I agree about the everyday use and the miles per year. I have used Grundy on several of my trucks through the years. I hardly ever drove them after doing frame off 's on them. The first one that i insured they told me i could not have a trailer hitch on it. They also had me take pics. of the inside of bed, to see if it was being used and abused. I guess. I have had several people say that both companies pay off very well. I live in south east texas where hurricane Ike just hit a few months ago. East of me is a town called Bridge City, where they had up to 5-6 foot of storm surge come in. I know of about 20 collector cars that went under. I know, how come they left them behind. My buddy cleaned up about a dozen of them. 3-62 vettes,1-65 bb vette, 72-vette,62-ss impala 77-trans-am etc. They were all paid off, no problems. Full price and were gave the option to buy back at a really good price. Some went over the roof. My buddy had a 62 vette insured for 50000.00 and there were not any guestions asked.
These companies are made for collector-restored vehicles and pay off so good is because they hope they stay in your garages so they do not have any problems.
I will be having the same problem in the future when i finish my 72 bb swb. I plan on driving the wheels off of this one and not selling it.

Rokcrln · 01-22-2009, 09:15 AM

Back a few years ago when we picked up our 67 chevelle SS 396 4spd car I called both those company's only to get the same restrictions plus it had to be kept in a locked garage. I then called my current Ins. company State Farm only to find I could get a stated Appraised value policy for about 30K (at the time) for only $20 a month with out limitations at all. Guess who I went with.

Kevin
LFD Inc.

**70cst** · 01-22-2009, 09:34 AM

It seems the Collector Insurance companies are interested in insuring trailer Queens which is ok...but it eliminates all others who want to drive thier prize to other than car shows and meets. Looks like others besides myself have found companies who will insure our trucks so we can actually drive them and use them as we would like. I guess I found these restrictions a surprise.

**70cst** · 01-26-2009, 06:57 PM

Update...well I got a call and was told by my agent that at the present stage of my project the insurance company want to cover my truck for $12,000 verse $24,000. I said I have over $20K into my truck as it sits so if it was stolen or whatever...I would be out over $8000. So what I thought was a slam dunk isn't. So now I am back in the market. I don't drink but I am about to start!

Mixup · 01-26-2009, 07:59 PM

My neighbor has Hagerty on one of his vehicles. He has 5. He was driving his 48 Ford pickup on the freeway and a dog ran in front of him and he rolled it. The next day the adjuster was there and never asked him where he was going or anything. Just gave him a check

**70cst** · 01-26-2009, 09:12 PM

Quote:

Originally Posted by Mixup

My neighbor has Hagerty on one of his vehicles. He has 5. He was driving his 48 Ford pickup on the freeway and a dog ran in front of him and he rolled it. The next day the adjuster was there and never asked him where he was going or anything. Just gave him a check

Thats good to know...I am still looking at options but this is helpful info.

01-21-2009, 04:03 AM	#1
70cst Senior Member Join Date: Feb 2001 Location: New Madison, Ohio Posts: 21,339	Update...Insuring your truck...a note of caution. http://www.grundy.com/ http://www.hagerty.com/ I called the above companies to get rates and they had really good rates but...A couple of things you need to know... 1) Both companies said no hauling. If I wanted to haul mulch and I had a wreck its possible the insurance would not cover my truck. 2) Running errands are not allowed and my truck canot to be used as a back up. If I was using my truck as a back up and had a fender bender-my insurance may not cover my trucks damage If I was using my truck to run errands and I had a wreck and I got into a fender bender-the insurance might not cover me. These cconditions were on a separate form that I would have to sign... stating my truck would not be used to run errands or as a back up vehicles. My present insurance company will insure up to $24,000 but it does not have restrictions and will cost me about $100 more a year. To me I am not willing to risk having an accident and not being covered because I ran to the parts store to pick up parts. Oh yes...I could fight it but who do you think has deeper pockets to contest a fender bender under these circumstances. Just thought I would pass this info on to you. __________________ A husband can be right...or...A husband can be happy. 67-72 Chevy and GMC Trucks...The Classic Truck for the Classic Folk. 1970 CST Two tone green, 402BB, 400 Automatic, Tach, Buckets, AC, AM-FM, Tilt, GM CB, GM 8 Tract, LWB, etc JOHN 17:3...The better side of "LIFE" Remember: Everyday is a good day...Some are just gooder! Last edited by 70cst; 10-05-2009 at 10:53 AM.

01-21-2009, 04:09 AM	#2
OARNGESI Registered User Join Date: Sep 2008 Location: CASA GRANDE AZ Posts: 4,276	Re: Insuring your truck...a note of caution. FYI thANKS WHAT GOOD IS THE TRUCK IF YOU CANT SEE IT AS YOU SEE FIT NO ERRANDS THATS JUST A WAY TO GET OUT OF PAYING WHAT IF YOU HAD A LETTER ON YOUR DASH YOU USED THE TRUCK TO GO TO THE POST OFFICE AND THEIR NOT RESPONSIBLE SOUNDS THEY ONLY WANT TO COVER IT FROM THEFT THANKS FOR THE FYI __________________ 70 SWB STEPSIDE 70 BLAZER 09 challenger

01-21-2009, 04:55 AM	#3
kookykrispy The Early Chevy Van Man Join Date: Dec 2008 Location: Seattle, WA Posts: 76	Re: Insuring your truck...a note of caution. FYI Yeah I decided NOT to go with haggerty for this same reason __________________ 64 Chevy Van 65 GMC Handi-Van 99 2500 silverado 4x4 ext cab

01-21-2009, 06:04 AM	#4
Andy4639 Old member Join Date: Jan 2002 Location: Liberty, & Garden City S.C. , U.S. Posts: 19,936	Re: Insuring your truck...a note of caution. FYI Most insurance company's like this have these little condiitions so you have to only say it's a show vehicle. I pay the full amount and don't worry about it. I pick and choose when I drive mine. __________________ 1971 LWB Custom, 6.0LS & 4L80E, Speedhut.com GPS speedometer & gauges with A/C. 20" Boss 338's Grey wheels 4 wheel disc brakes. My Driver Seeing the USA in a 71 Upstate SC GM Truck Club 2013,14 and 2016 Hot Rod Pour Tour http://upstategmtrucks.com/ Get out and drive the truck this summer and have some fun! It sucks not being able to hear! LWB trucks rule, if you don't think so measure your SWB! After talking to tech support at Air Lift I have found out that the kit I need is 60811. Per the measurements I gave them. Ride height of truck inside spring and inside diameter of springs.

01-21-2009, 08:20 AM	#5
big_al_71 Registered User Join Date: Jun 2008 Location: South Florida Posts: 11,375	Re: Insuring your truck...a note of caution. FYI Go with this company www.heacockclassic.com the only restriction is that I could only drive it 3k miles a year which for me is plentyfull since my truck is just a weekend toy and it sits weeks at a time. It is insured for 30k and it costs me $190.00 a year if I remember correctly. __________________ Get your facts first, and then you can distort them as much as you please!!!!!. Sylvester's build thread >>>http://67-72chevytrucks.com/vboard/s...ht=big+rebuild

01-21-2009, 08:26 AM	#6
Gray Ghost Senior Member Join Date: Sep 2004 Location: Terrell, TX Posts: 1,967	Re: Insuring your truck...a note of caution. FYI Who handles your insurance 70CST? __________________ Kelly '05 GMC Sierra SLE Z71 Bone stock except for new bed rail caps.

01-21-2009, 11:52 AM	#8
leddzepp Moderator Join Date: May 2007 Location: Southern Cal Posts: 19,989	Re: Insuring your truck...a note of caution. FYI Those aren't insurance companies, those are scam artists! They have enough loopholes in their wording that they could get out of paying almost any claim. Pay the extra $100 a year for real insurance. My .02

01-21-2009, 12:38 PM	#9
LEEVON Registered User Join Date: Jul 2006 Location: Ozark, MO Posts: 4,887	Re: Insuring your truck...a note of caution. FYI I have Hagerty at $20K on my truck, and it's about $250-300/yr. It's not just errands, but you can't drive to work either. If I recall correctly, a policy like Hagerty or Grundy is a TRUE full value replacement for amount insured, no questions asked whereas "stated value" policies don't necessarily pay out your stated value (they will depreciate and comp your truck like a normal policy, even if you have a stated value on record). There are some good threads here somewhere on this from those with experience filing claims. I just know that Hagerty pays with little or no hassle. Lose your truck, get a check. BUT, if I can get a better premium with less restrictions than I'm all ears. I'm going to check out the company that Big_Al_71 mentioned. That's a smoking deal especially for Miami! We used to live there and we moved from Miami-Dade to Broward in the same month I turned 25. My regular car insurance was cut by around 30%. A couple years later we left the state and it was cut again by 30%. AHHH, the fun of South Florida. EDIT: Aha, found the link I was thinking of right under my nose in FAQ. Thank you Zonaman: http://67-72chevytrucks.com/vboard/s...d.php?t=185660 __________________ '20 Silverado Trail Boss ~ '17 Tahoe ~ '79 K15 Sierra Grande ~ '76 Blazer 2wd ~ '71 Cheyenne swb ~ '55 Pontiac Safari ~'50 3100 bagged ~ '80 Wife ~ Late model kids Last edited by LEEVON; 01-21-2009 at 12:53 PM.

01-21-2009, 01:02 PM	#11
brendonak Registered User Join Date: Jan 2006 Location: salem oregon Posts: 117	Re: Insuring your truck...a note of caution. FYI If you guys don't mind saying, how old are you? I'm 23 and the way my truck is insured is they take the original MSRP from 67, apply depreciation to it, and that is the amount that the truck is worth according to them. Normal coverage is applied, property damage, etc. Basically they value my truck at like 20 bucks, since it was about 1500 new in 67. I tried a classic car insurance company, but you have to have your license for at least 10 years (got mine at 16), and have an enclosed parking space (which i do not). Oh, and I'm with USAA

01-21-2009, 02:00 PM	#12
Hart_Rod ************* Join Date: Apr 2005 Location: Pensacola, FL Posts: 17,831	Re: Insuring your truck...a note of caution. FYI It's crazy that they will insure a $60K escalade and allow someone to put unlimited miles on it, but won't insure a pickup truck for $30K AND you can only drive it 3K miles a year, . __________________ Rob - https://www.instagram.com/hart_rod_c10 As Iron Sharpens Iron, So One Man Sharpens Another. Proverbs 27:17 FOR SALE: DBW pedal bracket - http://67-72chevytrucks.com/vboard/s...d.php?t=651123 FOR SALE: Hood Brackets http://67-72chevytrucks.com/vboard/s...d.php?t=679945 1987 Silverado SWB - 34.5K original miles http://67-72chevytrucks.com/vboard/s...d.php?t=801834 1969 SuperBurb - http://67-72chevytrucks.com/vboard/s...d.php?t=200387 1968 Farm truck - http://67-72chevytrucks.com/vboard/s...d.php?t=358692 1968 SWB - http://67-72chevytrucks.com/vboard/s...d.php?t=551258 1948 Chevy - http://67-72chevytrucks.com/vboard/s...=122164&page=3

01-21-2009, 04:31 PM	#13
67ChevyRedneck Hittin E-Z Street on Mud Tires Join Date: Nov 2004 Location: Greenville, SC Posts: 23,090	Re: Insuring your truck...a note of caution. FYI I have a stated value policy with state farm. I can drive it whenever, wherever, and it has collision, etc for $400/year. What good is a classic insurance policy if I can only drive it to car shows? __________________ Jesse James 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 2001 Jeep Wrangler Sport 4.0L 5spd 2020 Chevrolet Equinox Premium 2.0L Turbo 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!

01-21-2009, 04:31 PM	#14
1968SWBBigBlock Active Member Join Date: Oct 2006 Location: Ohio Posts: 1,643	Re: Insuring your truck...a note of caution. FYI Good eye 70cst - I missed that with the quote they sent to me. I am currently running allstate for a 15K value for 240.00 per year. __________________ 1968 SWB 454 + .040, 490HP x 540 FT pounds of Torque 10-1 Kb Forged pistons, recon rods w/ ARP wave loc bolts 781 heads Ported with 2.19/1.88 SSTvalves Lunati 60204 cam, Micro Trol lifters, Ported Edelbrock Performer Rpm manifold armor coated, Pertronix Triple Strike Ignition Holley 770 Street Avenger carb,Headers armor coated Built by Watson Ruppel Performance in Sarahsville Ohio. Hardshift Tranny Built Turbo 350,TSI 10" 3000 stall 12 Bolt Eaton Posi 4.10 Richmond Gears moser axles 18.5" x 31" Hoosier Pro Street Radials ET Classic 5 Wheels - polished Power Steering, Power Brakes,Disc Brakes,Tach & Gauge Dash, Tilt,Factory Air (gone) Custom Paint & Body Work Special thanks to my wife, my son and my money tree

01-21-2009, 04:59 PM	#15
tkeduk8r Senior Member Join Date: Apr 2001 Location: Alexandria, MN Posts: 1,462	Re: Insuring your truck...a note of caution. FYI I had the same response from Hagarty and Grundy. They are great for collector cars but the are just the opposite with trucks. I only pay 219.00 per year on my 72 vette, but for the trucks the list of restrictions was endless.. the only thing I really cannot do with my vette is drive it to school (where i teach), and in the snow (which I wouldnt do anyway)... with the truck, anything that had to do with using it as a truck would be uninsurable. Very frusterating... with that said however I should take some pix of what people actually have "Collector" tags on up here in MN and I guess I can see why.... --Mike __________________ 63 C20 2WD, 230/SM420/4.11 73K 68 C30 dump truck, 327,SM425,4.56 66K original 68 C10 2WD SWB Stepper, 250/3-tree/3.73 66K.... Wifes 68 Buick Skylark Custom Conv., 350/TH400/2.56 In our family since '79 69 GMC 1500 SWB 2WD, 350/TH350/3.73 posi... 70 K10 SWB 4X4 4-sp,ps, pb, tilt, buckets, console, sliding back window (Need AC parts) WIP 72 Chevy K20 4x4 350/350/205/4.56 donor 72 Vette 350/M21/3.70 posi, triple black and super fast 84 Olds Cutlass Brougham 350/2004r/4.11 was Dad's

01-21-2009, 05:12 PM	#16
Yukon Jack Post Whore Join Date: Feb 2000 Location: Rose Hill, KS, USA Posts: 12,683	Re: Insuring your truck...a note of caution. FYI Just requested a quote from Heacock. We'll see how it compares to my current coverage. Edit - Just noted however: Autos we insure may not be used for commuting to or from work or school, used for business purposes or as a substitute for another auto. There goes that idea, I drive my vehicles once a week or so to work as that is how I enjoy them! Oh well. __________________ 1970 Blazer with a 400 sbc and 4" lift 1980 Pontiac Trans Am, 455 Oldsmobile 2012 Kawasaki Concours 14 Last edited by Yukon Jack; 01-21-2009 at 05:15 PM.*

01-22-2009, 12:14 AM	#17
70cst Senior Member Join Date: Feb 2001 Location: New Madison, Ohio Posts: 21,339	Re: Insuring your truck...a note of caution. FYI My age is 56 yrs old. My rate is going to be just a tab over $300 per yr. with the only restriction to keep my truck under 3,000 miler per year but no restrictions to where I drive. As long as I keep my truck cleaned and wax sort of speak...my insured value will remain at $24,000. The other companies will insure my truck for $30,000 but I don't care for all the restrictions. I guess I am not willing to risk having insurance with restrictions that can give them opportunities to not pay if I have a mishap. JMHO I just wanted to make you all aware of the fine print of these insurance policies. When it comes to insurance...its better to be proactive. __________________ A husband can be right...or...A husband can be happy. 67-72 Chevy and GMC Trucks...The Classic Truck for the Classic Folk. 1970 CST Two tone green, 402BB, 400 Automatic, Tach, Buckets, AC, AM-FM, Tilt, GM CB, GM 8 Tract, LWB, etc JOHN 17:3...The better side of "LIFE" Remember: Everyday is a good day...Some are just gooder! Last edited by 70cst; 01-22-2009 at 12:17 AM.



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01-22-2009, 01:50 AM	#18
Camper Power Registered User Join Date: Feb 2008 Location: Grande Prairie Alberta Posts: 261	Re: Insuring your truck...a note of caution. FYI thank god i like to keep my hands dirty and dont spend much money, 17 year old driving a $13k paying $2200 a year for insurance WITHOUT collision __________________ eh 1970 Chevy C20 daily driver 1975 GMC Jimmy 4x4 project 1966 GMC C10 Dad's project Last edited by Camper Power; 01-22-2009 at 01:51 AM.

01-22-2009, 08:45 AM	#20
STP67-72 Senior Member Join Date: Jan 2002 Location: PORT NECHES, TEXAS / USA Posts: 1,664	Re: Insuring your truck...a note of caution. FYI I agree about the everyday use and the miles per year. I have used Grundy on several of my trucks through the years. I hardly ever drove them after doing frame off 's on them. The first one that i insured they told me i could not have a trailer hitch on it. They also had me take pics. of the inside of bed, to see if it was being used and abused. I guess. I have had several people say that both companies pay off very well. I live in south east texas where hurricane Ike just hit a few months ago. East of me is a town called Bridge City, where they had up to 5-6 foot of storm surge come in. I know of about 20 collector cars that went under. I know, how come they left them behind. My buddy cleaned up about a dozen of them. 3-62 vettes,1-65 bb vette, 72-vette,62-ss impala 77-trans-am etc. They were all paid off, no problems. Full price and were gave the option to buy back at a really good price. Some went over the roof. My buddy had a 62 vette insured for 50000.00 and there were not any guestions asked. These companies are made for collector-restored vehicles and pay off so good is because they hope they stay in your garages so they do not have any problems. I will be having the same problem in the future when i finish my 72 bb swb. I plan on driving the wheels off of this one and not selling it. __________________ 55 Chevy original swb (big back window) 61 Chevy bubble top (427-5 speed) 67 Chevy stepside (Krusty) 68 Chevy swb fleet (Lola) 68 Chevy swb fleet 71 Chevy swb fleet ( future PB project) 97 crew cab power stroke 07 SS Trail blazer Last edited by STP67-72; 01-22-2009 at 08:53 AM.

01-22-2009, 09:15 AM	#21
Rokcrln Senior Member Join Date: Jul 2005 Location: Winters Ca. 95694 Posts: 4,843	Re: Insuring your truck...a note of caution. FYI Back a few years ago when we picked up our 67 chevelle SS 396 4spd car I called both those company's only to get the same restrictions plus it had to be kept in a locked garage. I then called my current Ins. company State Farm only to find I could get a stated Appraised value policy for about 30K (at the time) for only $20 a month with out limitations at all. Guess who I went with. Kevin LFD Inc.

01-22-2009, 09:34 AM	#22
70cst Senior Member Join Date: Feb 2001 Location: New Madison, Ohio Posts: 21,339	Re: Insuring your truck...a note of caution. FYI It seems the Collector Insurance companies are interested in insuring trailer Queens which is ok...but it eliminates all others who want to drive thier prize to other than car shows and meets. Looks like others besides myself have found companies who will insure our trucks so we can actually drive them and use them as we would like. I guess I found these restrictions a surprise. __________________ A husband can be right...or...A husband can be happy. 67-72 Chevy and GMC Trucks...The Classic Truck for the Classic Folk. 1970 CST Two tone green, 402BB, 400 Automatic, Tach, Buckets, AC, AM-FM, Tilt, GM CB, GM 8 Tract, LWB, etc JOHN 17:3...The better side of "LIFE" Remember: Everyday is a good day...Some are just gooder!

01-26-2009, 06:57 PM	#23
70cst Senior Member Join Date: Feb 2001 Location: New Madison, Ohio Posts: 21,339	Re: Insuring your truck...a note of caution. FYI Update...well I got a call and was told by my agent that at the present stage of my project the insurance company want to cover my truck for $12,000 verse $24,000. I said I have over $20K into my truck as it sits so if it was stolen or whatever...I would be out over $8000. So what I thought was a slam dunk isn't. So now I am back in the market. I don't drink but I am about to start! __________________ A husband can be right...or...A husband can be happy. 67-72 Chevy and GMC Trucks...The Classic Truck for the Classic Folk. 1970 CST Two tone green, 402BB, 400 Automatic, Tach, Buckets, AC, AM-FM, Tilt, GM CB, GM 8 Tract, LWB, etc JOHN 17:3...The better side of "LIFE" Remember: Everyday is a good day...Some are just gooder! Last edited by 70cst; 01-26-2009 at 06:59 PM.

01-26-2009, 07:59 PM	#24
Mixup Registered User Join Date: Jan 2002 Location: Henderson, NV Posts: 358	Re: Insuring your truck...a note of caution. FYI My neighbor has Hagerty on one of his vehicles. He has 5. He was driving his 48 Ford pickup on the freeway and a dog ran in front of him and he rolled it. The next day the adjuster was there and never asked him where he was going or anything. Just gave him a check __________________ 1980 Chevy Shortbed Pickup 1969 Z28 engine Turbo 350

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