Insurance
Le Mans Master
Joined: Jan 2016
Posts: 8,055
Likes: 2,694
From: New Mexico
2018 C6 of Year Finalist
Depends on how you drive it.
If it’s garaged and a toy, then NCM Insurance, Hagerty, or Grundy.
If it’s a daily driver, then good luck to you, start calling local agents.
If it’s garaged and a toy, then NCM Insurance, Hagerty, or Grundy.
If it’s a daily driver, then good luck to you, start calling local agents.
Safety Car
Joined: Sep 2013
Posts: 4,355
Likes: 2,633
From: Draper Utah
^^^This^^^
Check with the specially insurance companies first... if you qualify you will get much better insurance at a much better rate.
If you fail to qualify at one check around as the rules vary greatly between then.
Race Director
Joined: Oct 2012
Posts: 17,386
Likes: 6,527
From: Melbourne, FL
FWIW, the specialty collector type insurance was no cheaper for my car than it being on my regular old policy. It does however allow for a stated value, but I lose out on the flexibility to drove it however I want.
Race Director
Joined: May 2012
Posts: 15,767
Likes: 3,283
From: Phoenix area, AZ
When I had a garage I had a stated value of $42k on my 08 vert through Safeco with a lower monthly rate than any of the specialty insurance companies, and no limitations on how much I could drive my car.
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Le Mans Master
Joined: Jan 2016
Posts: 8,055
Likes: 2,694
From: New Mexico
2018 C6 of Year Finalist
Racer
Joined: Jul 2006
Posts: 324
Likes: 14
From: Moberly Missouri
Just want to put this out there. Was in the insurance business for almost 40 years. One thing you need to be aware of is if you have a personal liability umbrella policy, the company you have that with will more than likely require you to have all of your vehicles with that company. Had a friend going to switch to one of the specialty companies mentioned on here and told his primary company about this and was told that his personal umbrella policy would not be renewed. And I am pretty sure that the specialty companies mentioned cannot provide you with the umbrella policy. Just food for thought. Hope this makes some sense.
Burning Brakes
Joined: Apr 2017
Posts: 1,055
Likes: 104
From: Romeoville, IL
Not true..All may cars I had dropped down to storage coverage every winter and the car wasn't paid off. Just cant drive it at all. I had allstate, statefarm and insure one. They notified the bank of my drop down coverage and no issues. They just stated if I drive it with out upping it again that it wasn't covered.
All the coverage is theft, fire, vandalism. If the roof caved in I had to use my home owners policy.
Burning Brakes
Joined: May 2019
Posts: 909
Likes: 452
From: North Dakota
Additionally...for those that are Active Duty Military or Retired Military...you can't beat USAA.
Safety Car
Joined: Sep 2013
Posts: 4,355
Likes: 2,633
From: Draper Utah
The biggest advantage of specialty car insurance is that it's "agreed value", which to be honest in the C6 world is not a huge deal to most... you might lose a couple thousand dollars in a worse case scenario going with your regular insurance carrier.
But if you own something like a restored chrome bumper C3 or a hot rod like a 32 Ford Roadster it's a huge deal.
Something else that many don't understand about specialty car insurance is that your premium is base to a large part on the agreed value. High agreed value translates to higher premiums, so it's to you benefit to accurately follow C6 pricing.
But if you own something like a restored chrome bumper C3 or a hot rod like a 32 Ford Roadster it's a huge deal.
Something else that many don't understand about specialty car insurance is that your premium is base to a large part on the agreed value. High agreed value translates to higher premiums, so it's to you benefit to accurately follow C6 pricing.