Originally Posted by saa (Post 5450827)

Not to be too pointed, but that is not the justification for their concern of potential liability. I'm not sure where you found that information but it's not accurate.

If that were the case no pickup would be insured for cargo liability at all. Just for clarity of those who are searching for a correct policy and coverage, it's important to understand those factors correctly.
saa.

Originally Posted by E.Furgal (Post 5451493)

collector car insurance you can't put anything in the bed.. I was told straight from hagardy and grundy.. the same thing.. if I want to bring stuff to a swap. in my classic truck it needs a cover or a cap..

Originally Posted by jocko (Post 5451207)

this is such a frustrating topic. MANY would like to have their classic truck insured for what it is actually worth (not blue book) and still drive it every day. You know, like an escalade that cost a friggin fortune and is driven by 18 year olds... ??? Yet we can't seem to get what we woudl like very easily, if at all. I still do not understand.

Here's my beef: I'd be more than willing to pay MORE than what I currently pay (which is ridiculously low) for the freedom to actually USE my truck more.

But there really is no clear route for that. If you want low rates and coverage, heaven forbid, you have to fort knox protect the truck. If not, you can get liability and take your chances. Very very frustrating.

I have Grundy, and that was after a long, long search. I am happy with them. It's a stated value policy and I CAN occasionally drive it to work and take it places for more than just sitting in the fairgrounds. I even asked about driving it cross country - motels and all. They said yes. The Key, as I believe Leevon pointed out, is that the vehicle in question is not your primary mode of transportation. So, in order to insure it via classic ins, you have to have ANOTHER daily driver. I feel for the dude that is mid-20's has a nice old truck and that's his means of getting to/from work. There's almost NOTHING out there that will insure him and cover him properly in a loss. Bluebook, or liability, and thank you very much.

Oh well. Now I'm ticked off just thinkin about it.... I'd gladly pay double for my insurance, even triple (which is about what I pay for my daily driver) if I could have a policy I trust that would give me peace of mind and allow me to drive the wheels off. Aint gonna happen.

One more thing. State Farm. Never again for me. Never again. I'd be very wary of a $30K agree val or stated val policy with them. I'd ask the agent point blank "what do I get if A, B, or C happens to my truck?" and I'd record the answer and get his John Hancock on the recording... And the agent in my case was even a friend of the family. You'll note I said "was"....

Originally Posted by 70cst (Post 5451117)

With Hagerty I can go to shows, fun drives, work once in a while...just not to be used as a DD.

If I took it to buy groceries and it gets hit or its stolen...I am covered.

If I get into a fender bender...covered etc.

I am not to pull anything and that's not an issue.

Can I haul stuff...sure but rocks and dirt are out.

I had to email pics of the truck and they said I was good to go.

These are good questions and it's a good thing to ask the questions up front.

Originally Posted by 70cst (Post 5451530)

This is interesting.

My "Hagerty" agent said small things in the bed is not a big deal and nothing about a bed cover although I do have a Tonneau. I'm thinking it may be the agent or state which is the reason for these differences but its good to know and be sure of the guidelines.

Thanks for the info.

Originally Posted by saa (Post 5452080)

Most people don't get to do this - but if you can, here's how to create a DD from a classic.

Work backwards. Start with the Classics section on NADA's value guide and research trucks that you like. The years, models, etc. Find a year and model that you want to drive, and that values well in the condition of the DD.

This means that you're NOT going to spend money on it like it's the Queen of Sheba (Sheba... is that spelled right?) Anyway, buy a solid truck that you've choosen, with comparable values that make sense, and spend in the range of the values given.

It's not that tough. I can buy a '72 Chevy to drive in more than fine shape, and likely drop in a crate engine, if need be, for what they have in values.

Then insure and drive. Save your classic truck for after work, and yes, you can still drive it everyday! AFTER work. It's covered at agreed value, yet you drive a classic truck as your DD.

Now, before you crucify me with the "not everyone can afford two trucks"; I understand. I didn't say this was everyone's solution, however, in defense of the strategy: Look at 10 signatures on this website. If you can find two out of ten, on average, that only yell out one truck's model and spec's - I'd be surprised. So most of us can swing it. If you can't today, save a bit and you will.

Just one solution to the DD issues, and there are lots more given some thought and research. I guess that marks my $.02.
saa.

Originally Posted by Hubscrub (Post 5452792)

I have Grundy on my Nova, had no problems with them i can drive it any day, anytime, all the miles i want just not to work. I DON'T want to drive my classics to work anyways whats the fun in that? Pleasure driving is for them i drove my 86 Monte SS daily for a while until one day at lunch a 16 year old dropped his cell phone and rear ended me didn't hurt the car that bad tore his truck up though.:chevy:

Originally Posted by 70cst (Post 5452798)

Originally Posted by Hubscrub (Post 5452831)

I understand what your saying, my drive is only about 10 min. i would want to keep driving :lol:. This might sound weird but i don't like attention when driving my classics not in a stuck up way, i stop at the gas station with the fewest people etc. In my old stuff i will gladly talk to you at the cruise in, show etc. but just driving and gas stop eat stops i hope nobody sees me, i don't want attention brought to my self i always down play anything i have just in fear of feeling like i have something better than they have. I never want to act like i'm better than anyone i just want to be as humble as possible......

Originally Posted by dracula4999 (Post 5453293)

I talked to an insurance company about putting liability on my 71 and was denied! They said that the truck was built too good and would do too much damage if i hit someone. But they would insure my 93 dodge one ton dually...that thing weighs twice as much as the gmc and would demolish whatever it hits. As far as full coverage goes, i have no imput as i dont need it at this time.

Originally Posted by LEEVON (Post 5454366)

The problem I have with the driving to work restriction is that that IS where I go all the time...Hagerty told me that occasional pleasure cruising, if it happens to be to the office is ok. Now keep in mind the fine print strictly prohibits that. I work 6 days most weeks, if I can't cruise to my office then what's the point. And don't take their word for it...read the fine print! Just a caution...

Originally Posted by jocko (Post 5451207)

this is such a frustrating topic. MANY would like to have their classic truck insured for what it is actually worth (not blue book) and still drive it every day. You know, like an escalade that cost a friggin fortune and is driven by 18 year olds... ??? Yet we can't seem to get what we woudl like very easily, if at all. I still do not understand.

Here's my beef: I'd be more than willing to pay MORE than what I currently pay (which is ridiculously low) for the freedom to actually USE my truck more.

But there really is no clear route for that. If you want low rates and coverage, heaven forbid, you have to fort knox protect the truck. If not, you can get liability and take your chances. Very very frustrating.

I have Grundy, and that was after a long, long search. I am happy with them. It's a stated value policy and I CAN occasionally drive it to work and take it places for more than just sitting in the fairgrounds. I even asked about driving it cross country - motels and all. They said yes. The Key, as I believe Leevon pointed out, is that the vehicle in question is not your primary mode of transportation. So, in order to insure it via classic ins, you have to have ANOTHER daily driver. I feel for the dude that is mid-20's has a nice old truck and that's his means of getting to/from work. There's almost NOTHING out there that will insure him and cover him properly in a loss. Bluebook, or liability, and thank you very much.

Oh well. Now I'm ticked off just thinkin about it.... I'd gladly pay double for my insurance, even triple (which is about what I pay for my daily driver) if I could have a policy I trust that would give me peace of mind and allow me to drive the wheels off. Aint gonna happen.

One more thing. State Farm. Never again for me. Never again. I'd be very wary of a $30K agree val or stated val policy with them. I'd ask the agent point blank "what do I get if A, B, or C happens to my truck?" and I'd record the answer and get his John Hancock on the recording... And the agent in my case was even a friend of the family. You'll note I said "was"....

Originally Posted by jocko (Post 5454501)

The issue is wanting to get full coverage for a nice daily driver at all, even through the normal channels you mention - which do not exist, and that is the whole point. Further, it is assumed that it would cost more than the limited driving/garage only policies. Thus the " I'd gladly pay double for my insurance, even triple..." comment.

Originally Posted by jocko (Post 5454501)

So, if the thread is that boring or annoying, nobody is twisting your arm - stop reading it - clearly a few folks (you know, us same old whiners) are still interested.