What companies DON'T require a garage? I have off street parking, park in the back of my 1/2 acre yard.

I know there was 1-2 that were ok with that but now that I am looking can't find them.



Try here...

http://www.nadaguides.com/Classic-Cars

Problem is the prices are all over the place and the range is so much its next to worthless. Better to check out eBay and the classified here to get a idea.

 

my C3 and before that my C4 as dd's , bout $260 per year , regular insurance no restrictions , probably an age thing

 

Yep, just punched in my car and it shows $44K. Not sure what you mean the values are all over the place?

 

My car showed low retail 13k and high retail 32k. Also it gave me a % gain because I had the 350 motor, thats was the base motor for my year not a option. That and asked if my Corvette had a 307 etc...

To much range $$ and to many options, even ones that were not there.

 

For a '73 SB that sounds right to me though. A rough car, still drivable and safety inspected but needs TLC = $13K. A #2 car, almost perfect with just minor signs of use = $32K.

Yes, the options are a bit confusing, you have to be careful as some are generic GM options not applicable to the Corvette.

But overall it is a decent quick-guide for insurance purposes.

 

That's who I have used for the last 15 years.

 

So I take it, not to many folks here daily drive their C3....

 

Easy fix.

State Farm.

Cheaper premiums than Hagerty...but...

You can drive the car to work/store whenever you want (no restrictions), you don't have to have antique plates, agreed value policy, flat bed coverage, etc...

State Farm is the 2nd largest collector car insurer in the US. About 375,000 antiques/classics insured compared to 400,000 of Hagerty.

Dedicated collector car department down at corporate full of, you guessed it, "car guys".

Oh, and you can suspend/remove all coverages except for comprehensive for the winter.

What more could you ask for? Seriously?

 

I use JC Taylor for my antique cars. I have done so for many years.

 

I was going to use them too. My reg. insurance co. talked me out of it. I have stated value ins. with State Farm. Costs aprox. $120.00 per year for $20,000.00 full coverage.
A car over 25 years and considered a classic. And you can drive it when ever you want
just not as a grocerygetter or go to work car.

 

Give us a call up, we can help you out!

Adam Boca
www.ncminsurance.com
877.678.7626

 

You don't want a "stated" value policy, you want "agreed" value.
With a total loss and stated value SF will offer you $5,000. or less.
Look up the difference between stated and agreed.

 

When I did my Vette through Hagerty, they only asked me about how many licensed drivers were in my house.. And all they know is what I told them. Didnt ask for any proof.

 

Somebody's insurance agent was looking out for numero uno instead of the customer's best interest.

Read the fine print on stated amount policies.

 

You must be a lawyer, I stated to the ins. co. I wanted my Vette covered for $20,000.00 and that's what it is covered for. It's called stated value and they agreed on the amount. It's in the policy paper work. Total loss pays me $20,000.00 no questions asked. $100.00 comp. and $100.00 collision deductable. All I had to do was supply 4 photos of exterior and interior.

 

Hi again Bob,
No I'm not a lawyer, just trying to say there is a difference in the way the our policy's are worded and that difference can cost thousands.
http://www.hhrvresource.com/Images/P...reed_Value.pdf

Regards, Peter G.

 

As a State Farm Agent...I think I'll answer this.

If you have your car insured as a classic/antique, your agent would have had you fill out a valuation form, and taken pictures of the car, and insured the car for the amount requested. This is assuming when the valuation for got to the classic/antique underwriting department they agreed with the value.

So, if you say $20K, State Farm agrees, you have a $20,000 agreed value policy. If the car is totaled, SF pays you $20K. Nothing else. You DO NOT have a stated value policy. SF does not write these. We write agreed value policies on our classics/antiques. And yes, you can go get groceries with your car whenever you want.

To recap, State Farm writes Agreed Value policies, not stated value. Stated value is Actual Cash Value, and that takes into account depreciation, condition, etc. You do not want this type of insurance on your antique classic. State Farm's antique/classic policy is one of the best in the industry, if not the best. For the price, for the limited restrictions, for the agreed value policy, etc...can't be beat.

And, Haggerty always advertises their "car" guys who help you come claim time because that's all they deal with, etc...but State Farm has the exact same thing. I could call the antique/classic departments and BS about u-joint issues on Corvettes all day long with those guys. You should see more advertising out of SF too now. They took in a '69 Camaro on total loss, and to show off what we can do, had 1/2 of it restored to the original, and 1/2 of it resto-modded. Seriously, cut down the middle lengthwise, it's 2 totally different and awesome cars (but it's just one car). Google it....it's very cool.