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Insurance question

Old 10-05-2018, 09:11 PM
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toytruckman
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I have found a 2012 Grand Sport 2LT 6m. It is at a dealer but the price is close to right. My problem is insurance, I have State Farm for everything else, house 2015 Tahoe and 2014 Silverado. They want 1K every 6mo for the same coverage I currently have on the other two vehicles, they will happily cover me. I do not have a garage, hence the problem. Any of you guys that don't have a garage have any ideas. I have tried a bunch of companies but no garage no insurance.
I can't get past paying 2K a year for a car i only drive 4000mi a year.

Thanks
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Old 10-05-2018, 09:22 PM
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jchappies
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Thats crazy!...what state you live in?
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Old 10-05-2018, 09:23 PM
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Other than when I had hagerty for collector vehicles, Iíve never had an insurance company ask about a garage.

What do you pay for the two trucks?

Last edited by 919cw313; 10-05-2018 at 09:23 PM.
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Old 10-05-2018, 09:30 PM
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toytruckman
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New Orleans burbs. second highest insurance rates in the country.
2800$ for Tahoe and Silverado full coverage.
I am 62yr old.

The Corvette museum said no garage no insurance. Grundy said "well" we would have to send an adjuster out to check out your carport, but I don't think it will work ( guy on the phone).

Last edited by toytruckman; 10-05-2018 at 09:32 PM.
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Old 10-05-2018, 09:40 PM
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you get a lot of Hail there?
I'm not going to complain about my 60mo anymore
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Old 10-05-2018, 09:42 PM
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In Michigan with the highest rates. I pay $900 a year through progressive
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Old 10-05-2018, 10:26 PM
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JoeMatilda
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Thats crazy...2K a year! Im paying $700 a year in Dallas, full coverage, with USAA.
May be you need to check around with some of the other companies.
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Old 10-05-2018, 10:41 PM
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R&L's C6
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Find a independent insurance agent who has multiple companies to quote you from.

You also don't mention your driving record....clean with not tickets?

Last edited by R&L's C6; 10-05-2018 at 10:43 PM.
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Old 10-05-2018, 10:56 PM
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Daa'aam that's a lot. I pay $600 per year through geico.
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Old 10-05-2018, 11:08 PM
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I think itís time to find a new insurance company! I pay $1800 per year for 4 vehicles...

Last edited by Boostedsvt; 10-05-2018 at 11:09 PM.
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Old 10-05-2018, 11:13 PM
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FAUEE
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Build a garage or move to a cheaper area to insure
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Old 10-05-2018, 11:17 PM
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Originally Posted by toytruckman View Post
New Orleans burbs. second highest insurance rates in the country.
2800$ for Tahoe and Silverado full coverage.
I am 62yr old.

The Corvette museum said no garage no insurance. Grundy said "well" we would have to send an adjuster out to check out your carport, but I don't think it will work ( guy on the phone).
you can buy a SHELTERLOGIC garage for about $150.out of sight and out of mind.keeps you out of the sun and inclement weather
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Old 10-06-2018, 12:00 AM
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Brenda1
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I just bought a 2006 and went with Geico, like the previous post, its a but over $600 per year, full coverage, no garage needed. (thankfully, I have the garage space)
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Old 10-06-2018, 12:18 AM
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Bruze
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Originally Posted by 919cw313 View Post
Other than when I had hagerty for collector vehicles, Iíve never had an insurance company ask about a garage.

What do you pay for the two trucks?
Me neither, although the Vette is stored inside.

FWIW: I'm paying right around $1,000 annually for the Vette and a 2017 truck through Travelers.
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Old 10-06-2018, 12:25 AM
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I also have State Farm for my home, California earthquake and three other cars on policy. I also carry a $1 million rider on my insurance. My '13 Grand Sport M6 has full coverage for $81 per month, with a limit of 7000 miles per year. I'm 70 years old with a clean driving record.
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Old 10-06-2018, 12:33 AM
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owc6
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Originally Posted by toytruckman View Post
I can't get past paying 2K a year for a car i only drive 4000mi a year.

Thanks
Drive it more?

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Old 10-06-2018, 08:05 AM
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Sunnyvale Dave
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I am paying about $1,100/year on my '06 through AAA. I only have a carport. I have the mileage at 6,000 miles/year, which I believe is as low a AAA goes.
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Old 10-06-2018, 08:42 AM
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Do what the illegals do one set of plates for the whole clan! This insurance is a rip off you better have stated value and read the policy because if they can find parts they will slap them on! And i do not mean N.O.S.
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Old 10-06-2018, 09:41 AM
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Sonny71
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2013 Vette and 2017 Sentra $1800 a year here in NY
Guessing maybe high rate by you for flood zone????
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Old 10-06-2018, 10:15 AM
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Jgreg0912
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I am with Farmers Insurance and have storage insurance. Which means that while not driving I only have comp with a $500 deductible. When I get ready to drive I send a text to put full coverage on, then on return I text again to put back in storage. The comp insurance is about $100 every six months and the days I drive it is less than $3.00 a day. So far it has worked great. Not sure this can be done if there is a loan on your vehicle.
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