Insurance question
Race Director
Joined: Dec 2010
Posts: 18,099
Likes: 1,598
And no, they don't have a way to keep people from jumping back and forth.
Safety Car
Joined: Oct 2015
Posts: 4,128
Likes: 616
From: St Louis Area IL
You aren't dropping the insurance, you are just reducing the comprehensive rate because it isn't being driven on the road. There is always still coverage on the vehicle, you are just reducing the risk, and therefor, the rate.
Team Owner
Joined: Mar 2014
Posts: 21,631
Likes: 1,144
From: Below the bottom of Berby Hollow, NYS
The company I started with (don't remember who it was) did not do that because I asked them. I don't remember if I asked my current company or not.
Le Mans Master
Joined: Jan 2008
Posts: 6,457
Likes: 297
From: corpus christi Texas
Insurance rates can vary county to county more less state to state.
Multi car policies, deductibles, liability limits, age, home with auto, driving history, credit rating, previous claims, to name a few affect premiums.
It is IMPOSSIBLE to get a idea on how much someone's rates should be compared to someone else.
Multi car policies, deductibles, liability limits, age, home with auto, driving history, credit rating, previous claims, to name a few affect premiums.
It is IMPOSSIBLE to get a idea on how much someone's rates should be compared to someone else.
Le Mans Master
Joined: Jan 2008
Posts: 6,457
Likes: 297
From: corpus christi Texas
Burning Brakes
Joined: Oct 2018
Posts: 972
Likes: 44
From: Michiana
Got 2 SUV’s and a Motorhome as well as home policies with the same company. Vette (05) added $159.00 with guaranteed replacement ($20k). No questions about a garage. Hagarty wanted $560. All are 6mos prices. Decided that I wanted a daily driver, Hagarty doesn’t like that. At my age I want to enjoy the car not give a garage queen to my heirs.
Racer
Joined: Jan 2010
Posts: 498
Likes: 77
From: DFW Texas
The companies like Hagerty, NCM, and other similar companies are Collector car insurers. They require a garage to protect the vehicle against potential loss. I just moved my coverage over to NCM from Infinity and saved a allot. I have a 74, and an 08. Premium was under $500 a year with full coverage in DFW Texas.
Safety Car
Joined: Jul 2013
Posts: 4,408
Likes: 3,485
From: Granada Hills CA
Quoting what you pay for insurance is an unfair comparison because your policy limits could be tally different. I know people who have the minimum liability amount required while mine is $2,000,000. Also, note how we have had people from pretty much every state comment that their state has the highest rates. Again, meaningless comparison and not apples-to-apples. And people who state that they have never been asked whether the vehicle is garaged must have memory loss since that has been universally standard underwriting criteria for decades
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Race Director
Joined: May 2006
Posts: 12,973
Likes: 1,020
From: SOFLA
2016 Corvette of Year
2015 C6 of Year Finalist
If it is a secondary vehicle get collector car insurance. I got mine through Corvette Museum for about $500 a year. There are limitations, 6000 miles a year, etc
Safety Car
Joined: Oct 2015
Posts: 4,128
Likes: 616
From: St Louis Area IL
I have USAA, and they never asked me if I had a garage. Nor do they care how many miles I drive, since they never ask the mileage. I couldn't own a vehicle and have to be concerned that I exceeded some yearly mileage quota.
Are times so hard that you have to get some cut rate insurance policy that limits what you can do with your own vehicle?
Are times so hard that you have to get some cut rate insurance policy that limits what you can do with your own vehicle?
Race Director
Joined: Apr 2014
Posts: 10,465
Likes: 1,755
From: North Texas
I can recommend Amica. May not be the absolute cheapest, but their rates are competitive and the good service continues when you have a claim. Been with them for about 30 years for house/vehicles. My understanding is that insurance companies generally base their rates on their loss experiences. Your insurance company may have had some unfortunate experiences with Corvettes in your area. Best answer is to look elsewhere and hope you find a company without the negative experiences.
Le Mans Master
Joined: Jan 2016
Posts: 8,055
Likes: 2,694
From: New Mexico
2018 C6 of Year Finalist
The reason the OP started the thread is because he doesn't have a garage.
Race Director
Joined: May 2006
Posts: 12,973
Likes: 1,020
From: SOFLA
2016 Corvette of Year
2015 C6 of Year Finalist
Corvette Museum insurance quote " Some states we are able to insure your collector car if it is inside a carport. Please call to see if your state qualifies" He doesn't say if he has or doesn't have a carport.
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
Thanks for the opportunity! No carports can be approved in NOLA...
Melting Slicks
Joined: Sep 2017
Posts: 2,396
Likes: 525
From: Lower New York
Quoting what you pay for insurance is an unfair comparison because your policy limits could be tally different. I know people who have the minimum liability amount required while mine is $2,000,000. Also, note how we have had people from pretty much every state comment that their state has the highest rates. Again, meaningless comparison and not apples-to-apples. And people who state that they have never been asked whether the vehicle is garaged must have memory loss since that has been universally standard underwriting criteria for decades
Burning Brakes
Joined: Oct 2018
Posts: 972
Likes: 44
From: Michiana
Hagarty asked but local agent didn’t.
Hagarty liability limits were weak compared to my other vehicles. Now I’ve got better protection for a lot less money. Perhaps I have a better record and am a better risk? BTW my agent is a former Hagarty agent and understands their idiosynchracies.
Hagarty liability limits were weak compared to my other vehicles. Now I’ve got better protection for a lot less money. Perhaps I have a better record and am a better risk? BTW my agent is a former Hagarty agent and understands their idiosynchracies.
Intermediate
Joined: Apr 2018
Posts: 25
Likes: 7
From: N. of Houston Texas
Team Owner
Joined: Jul 2012
Posts: 34,479
Likes: 532
From: Central PA. - - My AR15 identifies as a muzzleloader
I believe in the Beer Fairy
Don't recall them ever asking if I had a garage...
