Quote:
Originally Posted by jocko
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"....
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OMG!! Would you like more Cheese with that Whine??
This subject comes up from time to time and it's the same old story and same old whiners. "Boo ooh, why can't I have a Hot Rod truck as my daily driver and still pay LESS than full rates and get 100% coverage?, Boo ooh".
I'm sorry but you can't have your cake and eat it too. Get a DD or Pay for the coverage of owning these trucks through NORMAL channels. Face it, it's pretty much Black and White. Accept it or get a DD then you can have your Truck.
I apologize, but Jeeeezzz, this subject needs to go away. Where's that "beat a dead horse" Smiley?
