I upgraded from a 2007 to a 2019 GS in the Fall. I almost didn't due to the insurance rates with my current carrier more than doubling car for car I have immaculate credit and a perfect driving record and it still surprises me. Now I suppose I did go from a roughly $26k value to closer to $63k value, but I still expected better.

What and who have you all had luck with getting good coverage at a lower rate? I tried Haggarty and they were actually higher. Maybe its just the price you pay to play.

 

A lot of variables. My C7 is my daily driver. I'm in California and have AAA. $2000 per year.

 

Thanks man. Since we are getting specific (I didn't know if that was strange, I could care less) mine is right at $2k a year. Difference is, I will put maybe 6000 miles annually on it. I do save some when I switch to storage but in the interest of apples to apples it is about 2k annually for full $500 deduct coverage should I not ever go to storage insurance part of the year. My c6 was like $800 annually.

 

Look into collector car insurance if you have a 2nd dd. I use Grundy and pay under $500 a year in Florida.

 

A second for Grundy. The only real downside is they don't want you participating in timed events and it can't be your DD.

 

It's going to be easy to beat that. I'd shop around. And I always use the collector car option. I think it's less than 8000 miles which is no problem for me.

 

It pays to shop around as the insurance industry seems to change often. Allstate nearly doubled the insurance on my c7z in the past two years with steady increases on our other cars and homeowners over the past several years.

We're not in a high risk area and have no claims or tickets. We switched to another company and pay less than half on all insured items as compared to Allstate.

 

I live in South Carolina I pay $1075.00 yearly with Safeco $500.00 deductable

 

Whatever. you do, make sure the company you go with is licensed to do business in your state!

My condo insurance went up drastically in the last two years with no claims or being in a danger area.

All the brokers I checked with that had companies with cheaper coverage, were not licensed to do business in California.

I have had a lot of years with AAA. With all the weirdness in the insurance industry right now, I am not making any changes.

 

I have insurance on my 2014 through Madison Mutual, a regional insurance company. For full coverage, I am paying around $650/yr.

 

Have you checked with the National Corvette Museum.

They do have limits on mileages, I believe 6,000 per year is the max. They also have a rider for extra $ you can drive "on errands" a minimal amount.

Linky: https://ncminsurance.com/

 

I don't understand these insurance questions.

Do people not know how insurance works?

Its based on the vehicle and what you bought it for, as well as your location and how you use it.

Asking other people if they have better luck with insurance is like asking if they prefer beer or wine.

If your insurance increased, shop around, that's literally the only solution available to you.

 

Sorry if this discussion lit a little fire in you to send that reply. If you don't understand you have the grown up ability to move on. In my opinion that's what you should have done. Me asking a group of owners with similar vehicles their opinion is collecting information that is educating me before I decide to look around or not. There were no less than 3 companies that I was not aware of. It has helped me and I am thankful for all the replies.

 

Not a beer guy so definitely wine. I'm good with sweet wines and they can be either red or white. Something like Eiswein since you mentioned it.

Question. Why shop around when your insurance increases? Mine have not increased and I shop around every year around renewal. Twice in the last 10 years, I have had huge drops like 600-900 by switching even though the current provider rate only went up by say under $100. I insure for 3 autos, 1 home, 1 UTV, 1 trike, 2 watercraft and 1 RV. Send them the Dec pages so they know what they have to beat. I don't want just coverage. I want similar coverage and similar deductibles. I don't want to hear "If you put this dongle in, I can save you $X." or I can beat that price BUT the deductible will have to be raised. I am comfortable with my current deductibles and we stick to that on the quote. If you can't because they don't offer that deductible, I want as close to it as possible and I will evaluate.

A former agent even said to me "You'll be my customer as long as I have the lowest rate." and he is right. Also, seems like when you do it online, sometimes it is cheaper than with an agent. Obviously, you don't have an agent you call your own but so what? I don't depend on that agent. Haven't in forever so why pay more with say Allstate with an agent vs Allstate Online for the same coverage?

 

i've had usaa insurance for 50+ years, they knew what i added by the 2014 vin, charged accordingly!!

you added what is considered a race car by many folks here, far more potent than my 2014 z51 + the insurance company also know!!

 

For me, Hagerty has always been high. Quoted me just about twice as much as the agreed value rate I have with American modern through the Corvette museum...

 

This is so true. my wife sells insurance through several companies. We shop it EVERY YEAR. Sometimes she can write it, sometimes it's cheaper through someone else. Just the way the game is...

 

And I've used them for 8 years now and not once at renewal asked how many miles on the car. I've never put more than 4500 per year anyway...

 

They probably won't ask for documentation or proof of mileage. That said, should a claim come up, I don't know if they will use it as an escape clause. You said the car has 20k on the clock. 2 years later it has a claim on it and it has 50k on the clock, we'll....

 

I have to stick with the bigger groups because I like to bundle everything into one company. Pay all at the beginning and 6 months or a year later, we shall see. I have not found the worth of doing auto here, house there, motorcycle there and pleasure vehicles over there. All with different start dates. You?