Just circling back to this ...
For all -- To cut through the noise ... Unless you have a "antique" medium/heavy duty truck that you actually work (even just occasionally -- and going to shows or parades isn't "work" Work is work.) and you have experience with insuring it as such -- you have nothing to add to this conversion, so please don't add to the noise level. Already confusing enough for the OP.
OP -- Yes, welcome to the confusing world of insurance. We love our State Farm agent, too. But ours is honest and upfront so when he worked the numbers, his all-in-one policy couldn't match what I had done individually. We have a couple of policies with him but not all of them. The combined policies rarely offer true savings when you get right down to it. Only the appearance of savings to people who don't do their homework. You must put some time into understanding your needs, how insurance works, your state requirements ... I feel like I am repeating myself here ... This *isn't* easy. If you want to save money on insurance, or even just get insurance on a specialty vehicle you plan to partly work, then you *must* put in some time learning Insurance. The Insurance companies make big profits because most people *don't* do this.
As I have said before, I have insured several antique Heavy Duty vehicles that we used around the farm, over the road a little (M-817 and the GMC 9500) The ONLY company that would cover them for me as both collector vehicles and lightly used work trucks, was Gulfway. Most other specialty insurance companies either won't insure "retired commercial vehicles" or won't let you work them at all -- not even to haul your other collector vehicles to a show. Hagarty didn't even want me to hook a trailer to the road tractor. And I have a CDL-A!
By the way, a light road tractor like the GMC 9500 (s/a) is safer on the road with a trailer than bobtailed
And anyone who tells you that Hagarty is insuring their big bolt and they can still work it a little is either lying to you or they are lying to Hagerty.
I don't dislike Hagarty -- my '49 and the Cornbinder are insured with them.
V/R
John
