C8 Insurance
Thread Starter
Melting Slicks
Joined: Nov 1999
Posts: 2,924
Likes: 361
From: Mayer, AZ
C8 Insurance
Any recommendations for insurance for those of us who don't qualify for NCM insurance? I daily drive my car and so mileage is way over allowed. Been with State Farm for 10 years but the rates just keep going up every year even though no tickets/accidents. Thought it might be time to ask around.
Melting Slicks
Joined: Jun 2016
Posts: 2,232
Likes: 2,366
From: SF Bay Area CA
State Farm is all over the place with rates. They wanted 3k a year from me, others here it was 1k a year, I even showed my agent one of the member's policy and they had no idea why the rates were so different. I have multi policy discounts, zero accidents/claims, tons of good driver history, was bizarre. They just don't like corvettes.
Sorry you can't do NCM, I liked it quite a bit. Hagerty and Grundy are two other options, though they may have restrictions that don't work for you either.
Sorry you can't do NCM, I liked it quite a bit. Hagerty and Grundy are two other options, though they may have restrictions that don't work for you either.
Burning Brakes
Joined: Apr 2005
Posts: 1,198
Likes: 853
Go to an independent insurance agent and have them shop different insurers. They often represent numerous insurance companies. That saved me a lot of money. I was with Allstate for many years. I found out they were raping me on the premium.
Drifting
Joined: Nov 2012
Posts: 1,671
Likes: 1,406
From: Central Ohio
I see that OP is in Az so this probably won’t apply. I have State Farm and rates are reasonable, but I’ve always dropped collision during winter storage and it drops to almost nothing for the storage period. Best suggestion from there is to shop around, especially with some not so big names that aren’t on tv.
Advanced
Joined: Mar 2023
Posts: 73
Likes: 57
From: San Antonio
When I got my c8, Farmers quoted me 3.5k a year after having been with them for a long time. I promptly went to an independent, they shopped around and ended up many much cheaper options and landed with Travelers for less than 1k/yr.
Race Director
Joined: Jan 2014
Posts: 10,709
Likes: 7,102
From: Fulshear, TX
I've used an independent insurance broker for over a decade (ever since State Farm got ridiculously high for me) and up until this most recent renewal, he was always able to get me incredibly competitive premiums. Unfortunately, that streak ended in October. I'm now with AAA insurance; Liberty Mutual came in #2.
Racer
Joined: Oct 2023
Posts: 490
Likes: 386
From: Brandon, MS
2024 C8 of the Year Finalist - Unmodified
I use an independent small town family based agent. They put me with Progressive on everything earlier this year. The vette came in higher than initially quoted back in oct when I bought it. But all of my vehicle insurance is going up in 2024. I called my agent and I even shopped around on my own and it is what it is I’m staying put where I’m at. Vette insurance is $1200 a year and the one that really burns me up is the 2023 GMC AT4X 1500 Sierra truck jumped from $706 a year to $1000 a year for 2024. Apparently that model has a lot of claims due to the off road nature of the truck and people breaking them and bending them up off road. So I get hit with the trickle down effect and I’ll never take that high dollar truck off road.
Insurance is a scam, based on so many variables for the carrier. They do many things to determine a rate for an individual. Some have nothing to do with insuring you. I hate insurance! I own 6 motorcycles most are all sport bikes which are always hit high when insuring,
Insurance is a scam, based on so many variables for the carrier. They do many things to determine a rate for an individual. Some have nothing to do with insuring you. I hate insurance! I own 6 motorcycles most are all sport bikes which are always hit high when insuring,
Corvette Stories
The Best of Corvette for Corvette Enthusiasts
Top 10 Most Expensive Corvettes Ever Sold on Bring A Trailer
Brett Foote
10 Things Every Corvette Owner Needs (2026 Edition)
Michael S. Palmer
8 Most "Only Corvette Owners Understand" Quirks and Problems
Pouria Savadkouei
10 Reasons the C6 Z06 is Still A Performance Benchmark After 20 Years
Joe Kucinski
How Much Horsepower Every Corvette Engine "LOST" in 1972
Joe Kucinski
Top 10 DOs and DON'Ts for Protecting Your Convertible Top!
Michael S. Palmer
Top 10 Most Explosive Corvettes Ever Made: Power-to-Weight Ratio Ranked!
Joe Kucinski
150 hp to 1,250 hp: Every Corvette Generation Compared by the Specs That Matter
Joe Kucinski
8 Coolest Corvette Pace Cars (and Replicas) of All Time
Verdad Gallardo
Melting Slicks
Joined: Aug 2018
Posts: 2,014
Likes: 1,591
From: Clermont, Florida
Are you an AARP card holder? The Hartford offers a discount for members. At least in Florida. I pay $70 a month for 2019 C7, and the rate will jump up to $83 when I trade in for a C8 soon.
Administrator
Joined: Mar 2001
Posts: 368,297
Likes: 24,776
From: In a parallel universe. Currently own 2014 Stingray Coupe.
C7 of the Year - Modified Finalist 2021
MO Events Coordinator
St. Jude Co-Organizer
St. Jude Donor '03 thru '25
NCM Sinkhole Donor
CI 5, 8 & 11 Veteran
Just a suggestion, but try finding an Independent agent that can shop around multiple companies for the best rates and coverage. You might be surprised at what they can come up with.
Pro
Joined: Aug 2022
Posts: 618
Likes: 443
From: Bay Area, CA
2025 C8 Stingray of the Year Finalist - Unmodified
State Farm is all over the place with rates. They wanted 3k a year from me, others here it was 1k a year, I even showed my agent one of the member's policy and they had no idea why the rates were so different. I have multi policy discounts, zero accidents/claims, tons of good driver history, was bizarre. They just don't like corvettes.
Sorry you can't do NCM, I liked it quite a bit. Hagerty and Grundy are two other options, though they may have restrictions that don't work for you either.
Sorry you can't do NCM, I liked it quite a bit. Hagerty and Grundy are two other options, though they may have restrictions that don't work for you either.
Team Owner
Joined: Aug 2006
Posts: 25,105
Likes: 3,156
C6 of Year Finalist (appearance mods) 2019
Depends on your state regulations. Texas only allows one insurance plan written by the State. All companies must comply with the State plan.
Haggerty’s agreed value plan can not limit milage driven, where it’s driven or exclude any family member from being covered.
My 16 yo son drove a 85 Corvette covered for $15k agreed value and liability coverages the same as my Corvette for $150 per year.
Have not priced the C8 with them. Allstate is about $1200 per year.
Haggerty’s agreed value plan can not limit milage driven, where it’s driven or exclude any family member from being covered.
My 16 yo son drove a 85 Corvette covered for $15k agreed value and liability coverages the same as my Corvette for $150 per year.
Have not priced the C8 with them. Allstate is about $1200 per year.
Melting Slicks
Joined: Jan 2006
Posts: 2,303
Likes: 1,864
From: Oregon
I had Corvettes with State Farm for many years, but shopped around and saved $450 a few years ago, just like the commercial said with Progressive.
Currently $1020 per year for the Corvette with Progressive. That is in Oregon.
Regardless of what other people pay, it's all about your age, driving record and zip code. You can't change that.
Currently $1020 per year for the Corvette with Progressive. That is in Oregon.
Regardless of what other people pay, it's all about your age, driving record and zip code. You can't change that.
Melting Slicks
Joined: Jun 2016
Posts: 2,232
Likes: 2,366
From: SF Bay Area CA
Yes, though I have the rest of my insurance through State Farm and they are super competitive. For some reason the Corvette, which is a garage kept toy with 5k a miles on it costs more than all my other vehicles combined (that cost more and are driven more).
Melting Slicks
Joined: Dec 2006
Posts: 2,694
Likes: 106
My insurance rates almost doubled from a year ago. Progressive is every 6 months, at least here in TX. And absolutely nothing changed in my case: same vehicles, and zero tickets, claims, etc. Just ridiculous. I was quoted +$135 every 6 months for the C8, compared to my '23 G70 Sport Prestige RWD. So probably right around $1K per year. The LC500 and F-Type P450 RWD were $150 to $200 higher, even though the LC is a 2+2. And yes, the zip code makes a big difference. I moved 3 miles away to a different zip code, even though I drive the exact same roads, and rates came down quite a bit.
Safety Car
Joined: Nov 2021
Posts: 4,309
Likes: 3,830
From: Northern Illinois
State Farm is all over the place with rates. They wanted 3k a year from me, others here it was 1k a year, I even showed my agent one of the member's policy and they had no idea why the rates were so different. I have multi policy discounts, zero accidents/claims, tons of good driver history, was bizarre. They just don't like corvettes.
Sorry you can't do NCM, I liked it quite a bit. Hagerty and Grundy are two other options, though they may have restrictions that don't work for you either.
Sorry you can't do NCM, I liked it quite a bit. Hagerty and Grundy are two other options, though they may have restrictions that don't work for you either.