classic car Ins
Safety Car
Joined: Sep 2007
Posts: 4,443
Likes: 326
From: Indy Indiana
what do you use the car for, hold old are you, do you have a garage, what is your driving record. will other people drive your car. do you own other cars. do you have a high net worth you need to protect?.
the answer to these questions will determine what type of insurance you should buy.
the answer to these questions will determine what type of insurance you should buy.
Last edited by joewill; Jun 17, 2017 at 08:24 AM.
Burning Brakes
Joined: Feb 2008
Posts: 993
Likes: 44
From: Jefferson Hills PA
American Collectors Insurance. Make sure you get an "agreed to value" or "Stated Value" no matter what company you go with. You will pay rates according to what value you want to insure it up to.
Burning Brakes
Joined: Sep 2013
Posts: 1,206
Likes: 364
From: The Motor City
I have first hand experience with two of the relatively small handful of reputable classic car insurers. I have not ever had any claims to deal with which is something to look for here. But, I can say that Hagerty was great, and National Corvette Insurers (NCM) is outstanding (and slightly more affordable with the same coverages). A guy named Adam and his team run it lean and professionally. For either you'll have a good peace of mind.
Melting Slicks
Joined: Jun 2006
Posts: 2,071
Likes: 147
From: S Nevada
I've been using NCM. To insure as a classic you will be limited to annual mileage, must have a daily driver for every licensed driver in your household, and no grocery getting allowed! I have an agreed value policy, its very affordable insurance. Hopefully I will never use it.
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Team Owner
Joined: Jan 2006
Posts: 37,637
Likes: 3,112
From: Crossville TN
If you feel that your car is worth more than the Black Book value (average wholesale), then you NEED to get collector car insurance, rather than regular car insurance coverage. With collector car insurance, you can negotiate "Agreed Value" for your car which is the amount you would get if the car is a total loss from an accident/theft/fire.
You will have to keep the car garaged when not in use and there will be some mileage limits per year (sometimes negotiable for additional premium).
You will have to keep the car garaged when not in use and there will be some mileage limits per year (sometimes negotiable for additional premium).
Race Director
Joined: Sep 1999
Posts: 11,358
Likes: 379
From: Plano TX
Always go with agreed value. With agreed value you get exactly that (minus deductible) in case of loss.
I'm with NCM. Only had one small claim (a tow after the fuel pump died), but they handled it fine. No problems.
Thread Starter
Instructor
Joined: Feb 2013
Posts: 126
Likes: 5
Thanks everyone for your replies on Classic Ins. I'm familiar with Hagertys but am going to check with NCM my cars probably don't go over 200 miles a year each one, I'm an Ole guy with plenty of other vehicles to drive, allways garaged used for only for pleasure, cruise's mainly and some shows, have been using State farm but I think their off base as price goes, altho there is no limit on mileage but that doesn't affect me.
Team Owner
Joined: Oct 2004
Posts: 81,241
Likes: 3,062
From: altered state
St. Jude Donor '05
Page Adam here on the forum (NCM) best bang for the buck and good service. too bad they dont have DD ins have state farm also they are high. had to finally put in a claim, see how they handle it.
Team Owner
Joined: Sep 2006
Posts: 31,108
Likes: 4,170
From: Westminster Maryland
Hi f,
You might also consider J.C.Taylor.
"Prior to issuing your policy, we will come to an agreement with you on the value of your vehicle, based on the market and condition of the vehicle in question. In the event there’s a covered total loss to your vehicle, the “Agreed Value” is the amount you would receive."
Regards,
Alan
You might also consider J.C.Taylor.
"Prior to issuing your policy, we will come to an agreement with you on the value of your vehicle, based on the market and condition of the vehicle in question. In the event there’s a covered total loss to your vehicle, the “Agreed Value” is the amount you would receive."
Regards,
Alan
Drifting
Joined: Jul 2004
Posts: 1,556
Likes: 91
From: Skiatook. Oklahoma.
Last month my 1970 was involved in an an accident with a classic Truck. He had Hagerty Insurance. The complete case was settled in just over a Week. Including the pay out. I never had an insurance case handled so smoothly and quickly. Do consider Hagerty for your Corvette.
great people
Thread Starter
Instructor
Joined: Feb 2013
Posts: 126
Likes: 5
Thread Starter
Instructor
Joined: Feb 2013
Posts: 126
Likes: 5
[QUOTE=Alan 71;1594965917]Hi f,
You might also consider J.C.Taylor.
"Prior to issuing your policy, we will come to an agreement with you on the value of your vehicle, based on the market and condition of the vehicle in question. In the event there’s a covered total loss to your vehicle, the “Agreed Value” is the amount you would receive."
Regards,
Alan[Guess they have a web page.
You might also consider J.C.Taylor.
"Prior to issuing your policy, we will come to an agreement with you on the value of your vehicle, based on the market and condition of the vehicle in question. In the event there’s a covered total loss to your vehicle, the “Agreed Value” is the amount you would receive."
Regards,
Alan[Guess they have a web page.
Thread Starter
Instructor
Joined: Feb 2013
Posts: 126
Likes: 5
Melting Slicks
Joined: May 2006
Posts: 2,364
Likes: 103
From: Centerville Louisiana
I went thru this first of the year for mine. A few companies sounded good 1/2 the money but reviews I read scared me. I stayed with Hagerty. Not saying the reviews hold much weight but someone took the time to write them.