The Stovebolt Site Forums The Shop Area General Truck Talk Insurance for a daily driver?

my normal insurance agent wont insure my 58 gmc truck.Any reccommandations?
thnx in advance

Find another agent. I insured my 62 no problem and its a daily driver.

Darin

Mine's been insured by Allstate and 21st (currently 21st). Just liability, no comp or collision. Pretty cheap.

My insurance (Westfeild) took on my truck just fine. Just had to provide a stated value from an appraiser (not a problem, I have an uncle in that business). I have full coverage in mine.

I used to see commercials for Grundy's on Trucks! when Stacey David was hosting it. They're not in Canada (even though they call it "world wide") so I never checked their policies. Hope this helps.

I've had pretty good luck with Progressive.
Some joker hit me from behind this last summer, hard enough to fold my back bumper. Pushed me into the car ahead hard enough to crack my front bumper.
Damage

They carried the insurance on his car as well. Called me up and asked what I wanted, then sent a check. no problems.

Insured mine with STate Farm 9 years ago. I did have one of their "approved appraisers" give me a written statement. Haven't had any problems and I do update the photo for them ever couple years to put in their file....in case I have an accident. I guess you could say its MY insurance.

Policy cost are always determined by MANY things!! So if you go asking for what one pays vs another beware!

I forgot to mention, I had a little accident in the '55 about 2 years ago, insurance had no problem with taking car of the repairs. They even gave me the estimated labor cost even though I was doing the work myself, plus cost of parts at new cost.

Mine like Alvins is insured with State Farm ..my Agent came to the shop and took several pics. and asked what I had in it and such we talked a bit an he suggested $22,000 for a total loss..an said if it is a fender bender or what not it will be covered for whatever it cost to fix.
GO STATE FARM!...lol
P.S. ALLSTATE STINKS!
LOL
Tim

I've had very good luck with Nationwide. I have my car and my truck insured with them. I did have full coverage on my truck until I bought my car, and it was going to be roughly $100 per month with both of them on there at full coverage. I dropped comprehensive off of my truck and it went down to $85 per month. I'm also 21 years old and I've been driving for 5 years, so I know that makes a difference.

Hagerty has been good and JC Taylor is Ok, I still have a car or two with them.

Hagerty is the only company that will insure a project and allow you to tow a trailer with your classic which none of the others allow

Psac......

Could you tell me what you're paying Hagardy for coverage on a AD pickup? I've got a '50 I'm about ready to put on the road.

Do they cover only if enroute to a show or a parade or is it for daily driving with a mileage limit?

Spot

Yes,will hagarty cover daily drivers?They said they wanted a general picture&one of the bed.what is with the "bed"picture?

My '54 GMC is insured with AAA (Auto Club of Southern California) at no rate up for a daily driver, no mileage restriction. It costs me about $185.00 per year.

Chevman32,

Is this the only vehicle you have insured with them? Usually Ins. companies give a discounted premium price if you have other vehicles insured with them.

Spot

I am using an insurance company that is charging me the same rate (close to)what I pay for my 2003 Pathfinder.NOT happy about it either.

I am insured with American Independant, and the agent did the appraisel. It costs me I think 60 bucks a year, and it is full coverage including towing and repair costs.

I have other classics insured with hagerty. but,

I have the the truck insured for 15,000 and the rate is 198.00 but, I saved 20.00 by not taking their roadside assistance as I have AAA that has 100 miles distance.

The truck is full coverage and for the bodily etc. it is at the 350,000 amount.

I think their rate is fair. It was inline with JC Taylor.

but, with Hagarty. I can tow the chris craft or the caming trailer.

oh,, I forgot.

They did not state any restrictions on millage. or where I drive it.

I did tell them that I go to alot of shows etc. They were fine with that as long as I had a Modern Daily driver.... for Winter

i have read that many insurers of old vehicles want it garaged...

Hagarty.....There GREAT

Hagerty does not offer an insurance product for:

* Inexpensive home-built kits that do not replicate a classic vehicle
* Any vehicles used for camping, off-road or utility-type driving
* Pro-street vehicles modified exclusively with racing features such as roll cages, wheelie caster, nitrous systems, parachutes, etc. (Consideration may be given to show-use only vehicles)
* Regular-use vehicles driven on a daily basis
* Vehicles used primarily for commercial use
* Motorcycles with performance modifications
* Any vehicle modified with nitrous, nitro-methane or blown alcohol systems are ineligible.
* Dune Buggies

I have classic car insurance on my '60 thru State Farm, only costs $8 per month, had to have it appraised. With this insurance the milage is limited per year.

The '65 Sub has regular insurance thru State Farm. I have been with State Farm for over 25 years, never did me wrong.

Iron Clad

......... 8 dollars per month??

I been with SF for at least 30 years but don't get that kind of rate. I suspect its because of the claim rates between Oregon and S.C.
I have found them hard to beat. I house, trucks, cars ect with them and get at least a 15% discount because I've been with them so long. My 37 was appraised by their authorized agent and my "regular" insurance is about $275 a year. They told me I could get it cheaper but it would have limitations. It is still cheaper than J.C. Taylor who sent my check BACK because my truck is "modified".
I think I may check on Hagarty. I want to continue driving it when & where and as many miles as I want to.

I checked out and tried a number of different "classic" insurance companies, none of them to my satisfaction. I have not found one that will truly let the vehicle be used as a daily driver. Some have unlimited mileage, yet clearly state vehicle is not to be used for transportation to and from work. I currently have 4 classics just with liability on regular insurance. None are worth much in their books, less than 1K each, so total loss payoff would be nearly nothing if something happened, so no reason to pay for full coverage.

Devin

you will NOT find any company that will be what you are looking for. Unless you use a regular company like state farm,commerce etc.

There is NO Classic insurance company that will allow a daily driver status. Hagarty will allow the trip once here or there just not daily. You will have to pay the higher fee. Just think. The more the truck is on the road the bigger the liability of an accident. Or that is how the insurance companies look at it.

good luck.

progressive. something like $25 / month