Corvette Insurance
Thread Starter
Instructor
Joined: Feb 2010
Posts: 109
Likes: 0
From: Stuttgart
Corvette Insurance
Hi, i need to get an insurance for my new '73 corvette!
State Farm is asking me 57% a month. I know in Italy there are some special insurance for old cars... is it the same here? I live in GA.
Thanks for helping me!
State Farm is asking me 57% a month. I know in Italy there are some special insurance for old cars... is it the same here? I live in GA.
Thanks for helping me!
Drifting
Joined: Jun 2005
Posts: 1,523
Likes: 1
From: grand prairie texas
Here is a link to a recent thread about classic car insurance
http://forums.corvetteforum.com/c3-g...-the-best.html
http://forums.corvetteforum.com/c3-g...-the-best.html
Team Owner
Joined: Jan 2006
Posts: 37,637
Likes: 3,116
From: Crossville TN
Unless your car is not worth any more than "Black Book" value (average wholesale value) or you just cannot get anyone to write you a 'collector car' policy, you should get collector car insurance with an "agreed value" between you and the insurer. [ref. the thread shown above]
Thread Starter
Instructor
Joined: Feb 2010
Posts: 109
Likes: 0
From: Stuttgart
Unless your car is not worth any more than "Black Book" value (average wholesale value) or you just cannot get anyone to write you a 'collector car' policy, you should get collector car insurance with an "agreed value" between you and the insurer. [ref. the thread shown above]
i actually got that with Hagerty!
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Race Director
Joined: Oct 1999
Posts: 14,109
Likes: 127
From: www.ncminsurance.com Bowling Green KY Home of the Corvette!
CI 1-2-3-4-5-6-7-8-9-10-11-12 Vet
St. Jude Donor '07-'08
NCM Sinkhole Donor
I would love to provide a quote for anyone in this thread or reading it. I am confident in our rates and in our service. Please give me a call if you would like a quote.
We are the only Collector Car Insurance provider that is a Supporting Vendor of this forum, and the money that would typically be made by an agent actually stays with the Corvette Museum.
Thanks!
Adam Boca
NCM Insurance Agent
www.ncminsurance.com
877.678.7626
We are the only Collector Car Insurance provider that is a Supporting Vendor of this forum, and the money that would typically be made by an agent actually stays with the Corvette Museum.
Thanks!
Adam Boca
NCM Insurance Agent
www.ncminsurance.com
877.678.7626
Race Director
Joined: May 2007
Posts: 11,334
Likes: 136
From: Out of Site...Out of Mind. Corvette: anything else is just transportation.
St. Jude Donor '09 thru '20
I would love to provide a quote for anyone in this thread or reading it. I am confident in our rates and in our service. Please give me a call if you would like a quote.
We are the only Collector Car Insurance provider that is a Supporting Vendor of this forum, and the money that would typically be made by an agent actually stays with the Corvette Museum.
Thanks!
Adam Boca
NCM Insurance Agent
www.ncminsurance.com
877.678.7626
We are the only Collector Car Insurance provider that is a Supporting Vendor of this forum, and the money that would typically be made by an agent actually stays with the Corvette Museum.
Thanks!
Adam Boca
NCM Insurance Agent
www.ncminsurance.com
877.678.7626
I'm giving you a call tomorrow.
Safety Car
Joined: Sep 2007
Posts: 4,458
Likes: 331
From: Indy Indiana
the OP did not say what use his car was. if it is your primary car or you don't have a garage, or want to drive it to work fairly often, then the hagertys and the grundys aren't going to work for you.
Melting Slicks
Joined: Jan 2010
Posts: 2,416
Likes: 8
From: Charlotte (Area) North Carolina
St. Jude Donor '11-'12-'13-'14
NCM Sinkhole Donor
Silly question, but how will they know how much you drive the car? I have Grundy and they asked me how many miles I would be driving it, but they never asked the mileage on the car. So how will they know if you drive it everyday?
Safety Car
Joined: Sep 2007
Posts: 4,458
Likes: 331
From: Indy Indiana
they won't of course, but they may require that you show proof of garage and that you have a primary car.
If you get your car stolen from being parked on your street, or damaged from your work parking lot, or if you get hit on your way to work, then there is a valid case for them to deny your claim.
which means that effectvely, you are not insured.
they rely on good faith from their customers to a great degree. Remember, these insurance companys have decades of experience and teams of lawyers. they know and have experience on everything you are thinking about.. they know what is going on. Luckily, we are protected by consumer protection agencys or the fine print would allow the insurance agencys to deny many of the claims that they do not.
Most people cannot even read and interpret an insurance policy. when I read mine I just write out my list of 100 questions to ask my agent, and I am still overwhelmed.
If you get your car stolen from being parked on your street, or damaged from your work parking lot, or if you get hit on your way to work, then there is a valid case for them to deny your claim.
which means that effectvely, you are not insured.
they rely on good faith from their customers to a great degree. Remember, these insurance companys have decades of experience and teams of lawyers. they know and have experience on everything you are thinking about.. they know what is going on. Luckily, we are protected by consumer protection agencys or the fine print would allow the insurance agencys to deny many of the claims that they do not.
Most people cannot even read and interpret an insurance policy. when I read mine I just write out my list of 100 questions to ask my agent, and I am still overwhelmed.
Last edited by joewill; Mar 18, 2010 at 07:07 AM.
Melting Slicks
Joined: Mar 2010
Posts: 2,731
Likes: 15
State Farm insured mine with no issues. I had to declare a value, take photos, and fill out a form on condition. My annual premium is $84 on $8000. If i want to increase thats doable. If my declared value goes too high I just need to get an appraisal to support it.
Team Owner
Joined: Jan 2006
Posts: 37,637
Likes: 3,116
From: Crossville TN
Sorry, but "declared" value is not the same as "agreed" value. If you total your car you will only get Black Book value for it and then State Farm will own the 'remains'. It doesn't take much damage to amass $2-3K worth of damage on your car. They will pay you that amount, then fix the car and sell it for $8K. If you don't believe it, ask them directly what your car will net if you total it.
Instructor
Joined: Jun 2009
Posts: 236
Likes: 0
From: Roseville, CA
I would love to provide a quote for anyone in this thread or reading it. I am confident in our rates and in our service. Please give me a call if you would like a quote.
We are the only Collector Car Insurance provider that is a Supporting Vendor of this forum, and the money that would typically be made by an agent actually stays with the Corvette Museum.
Thanks!
Adam Boca
NCM Insurance Agent
www.ncminsurance.com
877.678.7626
We are the only Collector Car Insurance provider that is a Supporting Vendor of this forum, and the money that would typically be made by an agent actually stays with the Corvette Museum.
Thanks!
Adam Boca
NCM Insurance Agent
www.ncminsurance.com
877.678.7626
"Currently, we are unable to provide you an on-line quote. We apologize for the inconvenience. Please call 877-678-7626 or try back at a later time.
Online quote is not available during the following hours (all times Eastern):
Monday through Friday: 2am – 3am
Saturday: 2am – 6am
Sunday: 12am – 6am"
I remember this happening several months ago when I tried online quote.
Melting Slicks
Joined: Mar 2010
Posts: 2,731
Likes: 15
Sorry, but "declared" value is not the same as "agreed" value. If you total your car you will only get Black Book value for it and then State Farm will own the 'remains'. It doesn't take much damage to amass $2-3K worth of damage on your car. They will pay you that amount, then fix the car and sell it for $8K. If you don't believe it, ask them directly what your car will net if you total it.
Thread Starter
Instructor
Joined: Feb 2010
Posts: 109
Likes: 0
From: Stuttgart
they won't of course, but they may require that you show proof of garage and that you have a primary car.
If you get your car stolen from being parked on your street, or damaged from your work parking lot, or if you get hit on your way to work, then there is a valid case for them to deny your claim.
which means that effectvely, you are not insured.
they rely on good faith from their customers to a great degree. Remember, these insurance companys have decades of experience and teams of lawyers. they know and have experience on everything you are thinking about.. they know what is going on. Luckily, we are protected by consumer protection agencys or the fine print would allow the insurance agencys to deny many of the claims that they do not.
Most people cannot even read and interpret an insurance policy. when I read mine I just write out my list of 100 questions to ask my agent, and I am still overwhelmed.
If you get your car stolen from being parked on your street, or damaged from your work parking lot, or if you get hit on your way to work, then there is a valid case for them to deny your claim.
which means that effectvely, you are not insured.
they rely on good faith from their customers to a great degree. Remember, these insurance companys have decades of experience and teams of lawyers. they know and have experience on everything you are thinking about.. they know what is going on. Luckily, we are protected by consumer protection agencys or the fine print would allow the insurance agencys to deny many of the claims that they do not.
Most people cannot even read and interpret an insurance policy. when I read mine I just write out my list of 100 questions to ask my agent, and I am still overwhelmed.
Nice to know it!
I actually have a garage and i don't drive the car to work.... but i was wondering how they can prove how many miles per year i drive.
Race Director
Joined: Oct 1999
Posts: 14,109
Likes: 127
From: www.ncminsurance.com Bowling Green KY Home of the Corvette!
CI 1-2-3-4-5-6-7-8-9-10-11-12 Vet
St. Jude Donor '07-'08
NCM Sinkhole Donor
Your website is working now, but after going through the online quote process I get this message:
"Currently, we are unable to provide you an on-line quote. We apologize for the inconvenience. Please call 877-678-7626 or try back at a later time.
Online quote is not available during the following hours (all times Eastern):
Monday through Friday: 2am – 3am
Saturday: 2am – 6am
Sunday: 12am – 6am"
I remember this happening several months ago when I tried online quote.
"Currently, we are unable to provide you an on-line quote. We apologize for the inconvenience. Please call 877-678-7626 or try back at a later time.
Online quote is not available during the following hours (all times Eastern):
Monday through Friday: 2am – 3am
Saturday: 2am – 6am
Sunday: 12am – 6am"
I remember this happening several months ago when I tried online quote.
Thanks!
Adam Boca