Insuring Corvette as a "Chevrolet"
Thread Starter
Cruising
Joined: Jun 2016
Posts: 11
Likes: 1
From: Florida
Insuring Corvette as a "Chevrolet"
I am in the process of insuring my 74 vette. I have read that I can insure it as just a Chevrolet and avoid putting the Corvette name on it to save on cost.
Is this true? Is it legal? How do you do it?
Any help would be great.
Thanks!
Is this true? Is it legal? How do you do it?
Any help would be great.
Thanks!
Team Owner
Joined: Sep 2006
Posts: 31,301
Likes: 4,389
From: Westminster Maryland
Hi Logan,
I'm not sure just how this idea works.
Don't you think the insurance company is diligent enough to realize that when you supply the serial number it identifies the car as a Corvette?
The first character indicates Chevrolet and the second character indicates car line/model.
Often an insurance company that offers 'Agreed Value' policies requires a picture of the car.
Regards,
Alan
I'm not sure just how this idea works.
Don't you think the insurance company is diligent enough to realize that when you supply the serial number it identifies the car as a Corvette?
The first character indicates Chevrolet and the second character indicates car line/model.
Often an insurance company that offers 'Agreed Value' policies requires a picture of the car.
Regards,
Alan
Last edited by Alan 71; Jul 31, 2016 at 01:42 PM.
Race Director
Joined: Oct 2000
Posts: 12,687
Likes: 3,139
From: Shamong, NJ
Chevrolet is not a model, it's a brand. Odds are pretty good that the insurance company is going to want to know what model Chevrolet you want to insure. Any insurance company that didn't ask you about the model, deserves to be ripped off.
Since 1965, VIN numbers have included a digit that identifies the car model the VIN is assigned too. Insurance companies can use it to identify the car they're insuring, while law enforcement and DMV's, use it to find cars with switched or bogus VIN's
Melting Slicks
Joined: Mar 2005
Posts: 2,095
Likes: 299
From: Midlothian VA
Drifting
Joined: Aug 2009
Posts: 1,346
Likes: 160
From: new iberia la
Someone is yanking your chain.. The VIN number designates model.... C O R V E T T E ......... Far better to call Grundy Worldwide or Hagerty and get Classic Car insurance... very reasonable, tho mileage is somewhat limited
Last edited by fishslayer143; Jul 31, 2016 at 08:14 PM.
Melting Slicks
Joined: Jan 2016
Posts: 2,006
Likes: 99
From: Emmaus pa
Even if you were able to do what you stated it would not be worth saving a few dollars, if your car gets into an accident thats when you will pay the price for deceiving the Insurance company, The policy could be voided and you would not get a penny for any damages. I know someone who had a business in NY state but had his work vehicles registered in Pa. to save money. When one of the trucks got into an accident and the Insurance company found out the deception he could not collect a dime. Not worth the trouble, plus you don't want to be on the wrong side of karma lol
Le Mans Master
Joined: May 2006
Posts: 5,814
Likes: 414
From: Pittsburgh suburbs Pa.
You will just have to man up and pay the insurance. Try to deceive the insurance company and you will be paying court cost and attorney fees for them trying to keep you out of jail for insurance fraud. Of course it's legal for them to rip you off ! 
Last edited by bj1k; Jul 31, 2016 at 02:42 PM.
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Le Mans Master
Joined: May 2006
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From: Pittsburgh suburbs Pa.
8th Gear
Joined: Oct 2015
Posts: 8
Likes: 0
Just got insurance from geico. Turns out their system can't read vins that old. Something about them being too short. It is insured as a 74 Chevy sport coupe.
Try and enter an old vin on any insurance website. It can't read it.
Try and enter an old vin on any insurance website. It can't read it.
Melting Slicks
Joined: May 2015
Posts: 2,365
Likes: 428
From: Cape Girardeau Missouri
A "74 Chevy sport coupe" by very definition is a Corvette because such is the only sport coupe made by Chevrolet!
Safety Car
Joined: Feb 2012
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From: Orlando FL
Racer
Joined: Jan 2013
Posts: 468
Likes: 20
From: Warrenton VA
Had to send pictures of the car during the initial setup process to get the '69 insured. I'm pretty sure they saw what kind of car I had in my possession. Plus, you're insuring a car that you HOPE never has to get called upon. If you DO have to use your insurance, god forbid, you'd better damn well make sure you weren't playing games on the description, make, model, color, etc, etc. Good luck.
Melting Slicks
Joined: Jun 2006
Posts: 2,071
Likes: 147
From: S Nevada
Either u are a young driver and are looking for a cheap way to get by, or a very frugal penny pincher. Either way, I'm not sure how much money u really save on this one. Because the insurance company is only going to give u the current value on the car if it were to be totaled. Most fender benders will do enough damage to "total" the car unless you have an agreed value policy. If your car is in real nice condition, u may want to re think your choice and chat with an insurance agent.
Race Director
Joined: Mar 2003
Posts: 11,608
Likes: 780
From: Eustis ( Area 51 Bat Cave ) Fl
I am about the cheapest bargain hunter c3 person I know, I will work really hard to find some way to save a dime, and as a result my 69 will be restored, better than new bb convertible with about 13-14K invested...not easy to do but insurance that is another story,
I was with state farm from 15 yo to late 40's when I switched to the gecko, who gave me more for far less, when I asked SF did they wanna try to be competitive, they replied, Nope,
I plan to use my 69 as a car, drive it when and where I feel like, so companies like Hagerty that my late dad used on his Avanti will not work for me,
I called the gecko and asked about using my old car as a car and being insured that way, I can get an agreed upon value, basically within reason as much value as I desire to pay, that way IF my 69 is stolen or damaged severely it's replaced with no hassles, and it's really not that costly all things considered.
I would never dream of playing it cheap or shady with my insurance it could bite you in the butt so many ways,
I was with state farm from 15 yo to late 40's when I switched to the gecko, who gave me more for far less, when I asked SF did they wanna try to be competitive, they replied, Nope,
I plan to use my 69 as a car, drive it when and where I feel like, so companies like Hagerty that my late dad used on his Avanti will not work for me,
I called the gecko and asked about using my old car as a car and being insured that way, I can get an agreed upon value, basically within reason as much value as I desire to pay, that way IF my 69 is stolen or damaged severely it's replaced with no hassles, and it's really not that costly all things considered.
I would never dream of playing it cheap or shady with my insurance it could bite you in the butt so many ways,
Team Owner
Joined: Jan 2006
Posts: 37,637
Likes: 3,118
From: Crossville TN
Sounds to me like your insurance agent knows that you are trying to scam them; and in return, he is trying to scam you. You pay up the premiums on this Chevy Sport Coupe and, if you have an accident, he will deny coverage because of your attempted fraud. What you have provided is enough evidence to show possible deceit. Insurance denied....but he still has your premiums.
A scammer being legally scammed by another scammer....
This is a good time for you to learn that cheating anyone out of anything is still cheating. Once a cheater, you will continue that practice for much [if not all] of your life; it will become a habit and you an 'addict'.
What kind of person do you want to be, and how do you want to be known? It's your choice. Make the wrong one and it's a tough road to return from. Think about it ---
A scammer being legally scammed by another scammer....
This is a good time for you to learn that cheating anyone out of anything is still cheating. Once a cheater, you will continue that practice for much [if not all] of your life; it will become a habit and you an 'addict'.
What kind of person do you want to be, and how do you want to be known? It's your choice. Make the wrong one and it's a tough road to return from. Think about it ---
Last edited by 7T1vette; Jul 31, 2016 at 10:49 PM.