Another Insurance question
Thread Starter
Racer
Joined: Jul 2006
Posts: 442
Likes: 24
Burning Brakes
Joined: Sep 2006
Posts: 1,228
Likes: 39
From: South Central PA
2017 C3 of Year Finalist
NCM fit the bill for most of us. No errands tho. But every time I get close to getting ins its always something . Now it has to be in a garage every night.
They all understand certain things that may break policy until they have to pay. Anyone have without the garage restriction ?
They all understand certain things that may break policy until they have to pay. Anyone have without the garage restriction ?
Burning Brakes
Joined: Sep 2006
Posts: 1,228
Likes: 39
From: South Central PA
2017 C3 of Year Finalist
I guess my thoughts, if I can drive it to work. And I can drive it to the store if I'm coming home from a show or pleasure cruise. Why can't I take it directly to the store? Again, this is all assuming I don't go over the mileage and I'm not doing it very often.
Instructor
Joined: Feb 2014
Posts: 203
Likes: 2
From: alabama
Tell me, how would they know whether or not you purposely drove it to the store as an errand, or if while out on a leisurely cruise you got thirsty & decided to make a quick stop for a soft drink & a bag of chips?
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
Hello all, thanks for the great comments!
Couple of items to clear up.
1: Going to car shows and staying at hotels: It is ABSOULTLY covered. Seems silly to think that carriers would say it wasn't. This is a BIG part of owning these cars. Remember, we are the National Corvette Museum....We host and participate in MANY events.
2: Going to dinner: 100% A-OK!
3: Going to the store to pick up milk: Not covered. You wont find any collector car insurance that covers errands.
Let us know if you have any questions directly. info@ncminsurance.com or 877.678.7626
Adam Boca
National Corvette Museum Insurance Agency
www.ncminsurance.com
Couple of items to clear up.
1: Going to car shows and staying at hotels: It is ABSOULTLY covered. Seems silly to think that carriers would say it wasn't. This is a BIG part of owning these cars. Remember, we are the National Corvette Museum....We host and participate in MANY events.
2: Going to dinner: 100% A-OK!
3: Going to the store to pick up milk: Not covered. You wont find any collector car insurance that covers errands.
Let us know if you have any questions directly. info@ncminsurance.com or 877.678.7626
Adam Boca
National Corvette Museum Insurance Agency
www.ncminsurance.com
Burning Brakes
Joined: Oct 2014
Posts: 874
Likes: 107
From: Detroit MI
Hello all, thanks for the great comments!
Couple of items to clear up.
1: Going to car shows and staying at hotels: It is ABSOULTLY covered. Seems silly to think that carriers would say it wasn't. This is a BIG part of owning these cars. Remember, we are the National Corvette Museum....We host and participate in MANY events.
2: Going to dinner: 100% A-OK!
3: Going to the store to pick up milk: Not covered. You wont find any collector car insurance that covers errands.
Let us know if you have any questions directly. info@ncminsurance.com or 877.678.7626
Adam Boca
National Corvette Museum Insurance Agency
www.ncminsurance.com
Couple of items to clear up.
1: Going to car shows and staying at hotels: It is ABSOULTLY covered. Seems silly to think that carriers would say it wasn't. This is a BIG part of owning these cars. Remember, we are the National Corvette Museum....We host and participate in MANY events.
2: Going to dinner: 100% A-OK!
3: Going to the store to pick up milk: Not covered. You wont find any collector car insurance that covers errands.
Let us know if you have any questions directly. info@ncminsurance.com or 877.678.7626
Adam Boca
National Corvette Museum Insurance Agency
www.ncminsurance.com
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Racer
Joined: May 2013
Posts: 435
Likes: 5
From: New Salisbury Ind
why do any of you have insurance with restrictions? my reg insurance has none and is only $275 a year, the cheapest of all my vehicles. but then I don`t have a lot of mods and they came with the car.
Burning Brakes
Joined: Sep 2003
Posts: 886
Likes: 87
From: Largo FL
I was thinking the same thing, I have full coverage on my 97 with no restrictions including towing and only pay about $325 a year.
Race Director
Joined: Apr 2007
Posts: 18,048
Likes: 53
From: long Island NY
Why, State Farm and Hagerty are almost identical in price for me. State Farm you will get value of car, and all Mods are worth pennies to them. So for instance if you spent $5k on wheels well they lose value as time goes on. So even if my wheels are 4 years old, but only have 2,ooo miles on them and look new their worth crap to them. But collector car insurance such as what I have Hagerty you are stating your value. My O4 Z has a stated value of $54k, every mod I purchased is valued still for what I paid for them.
Racer
Joined: Dec 2014
Posts: 338
Likes: 28
From: Central CT
Why, State Farm and Hagerty are almost identical in price for me. State Farm you will get value of car, and all Mods are worth pennies to them. So for instance if you spent $5k on wheels well they lose value as time goes on. So even if my wheels are 4 years old, but only have 2,ooo miles on them and look new their worth crap to them. But collector car insurance such as what I have Hagerty you are stating your value. My O4 Z has a stated value of $54k, every mod I purchased is valued still for what I paid for them.
What Dave said, plus there are other smaller benefits. Again, similar cost to my regular policy, but $0 deductible, agreed upon value, and some other goodies. Worth the extra $40 a year it costs me.
Race Director
Joined: Apr 2007
Posts: 18,048
Likes: 53
From: long Island NY
That $54k is what I requested and received. I had all receipts for mods done, then I took off some value, and then car was valued at the time in 2012. Either way it's the only way to go. And the best and most important fact at least with Hagerty, 100% OEM parts only used down to the windshield, and they pay a nice shop rate of $75 a hour which in insurance is good.
Burning Brakes
Joined: Jan 2011
Posts: 1,067
Likes: 46
From: Springfield IL.
Oldtimer
My Corvette is the cheapest one on my policy, and I just have storage insurance on from Oct 1 to April 1. I do have to call to add or remove coverage every time. No big deal to me. I want to be able to drive it anywhere I please during the summer, and I do so.
Burning Brakes
Joined: Aug 2005
Posts: 1,152
Likes: 1
From: It's Bad Ass in Black! Cape Coral, Florida
A couple things Haggerty doesn't tell you, if you belong to a car club, you can get 5% off your payment. If you added like lo-jack, you get another 10% off your payment.
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
cesssna10
Joined: Feb 2011
Posts: 1,391
Likes: 47
From: Big Canoe Ga
Look Out, with ncm you cannot run errands. Make
sure you check out all the restrictions.
I insure with travelers, the corvette is under$400
year for 250/500, 1000 deductable collision
150 deductable comprehensive and you can drive
it when and where you want. It's an 03 with 33000 miles
sure you check out all the restrictions.
I insure with travelers, the corvette is under$400
year for 250/500, 1000 deductable collision
150 deductable comprehensive and you can drive
it when and where you want. It's an 03 with 33000 miles
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
Look Out, with ncm you cannot run errands. Make
sure you check out all the restrictions.
I insure with travelers, the corvette is under$400
year for 250/500, 1000 deductable collision
150 deductable comprehensive and you can drive
it when and where you want. It's an 03 with 33000 miles
sure you check out all the restrictions.
I insure with travelers, the corvette is under$400
year for 250/500, 1000 deductable collision
150 deductable comprehensive and you can drive
it when and where you want. It's an 03 with 33000 miles