Non-Traditional Insurance for a C 6
Thread Starter
1st Gear
Joined: May 2026
Posts: 1
Likes: 0
From: MI
Non-Traditional Insurance for a C 6
I just bought a 2007 3LT coupe (LS2 6 speed auto) loaded to the gills. Navigation, CD/DVD, electra ride (over $11K in factory options) Plus custom carpets ... in a great discontinued color... with well under 21K miles.
I spent $31K but it has every option the factory sold --including, 2 targa tops, Plus---multiple covers---you name it
...and the dealer put new top of the line tires on it for me and a new AC battery.
It was traded in for a C-8 at a well respected dealer.
So the question is... I put my standard State Farm coverage in it.. and the cost is less than a 2017 Civic in my garage.
Should I insure this vehicle through Haggerty or one of the other companies who deal in collectable cars???????? I paid a premium price but it is a premium car????
Mark -- AMichiganHoosier
I spent $31K but it has every option the factory sold --including, 2 targa tops, Plus---multiple covers---you name it
...and the dealer put new top of the line tires on it for me and a new AC battery.It was traded in for a C-8 at a well respected dealer.
So the question is... I put my standard State Farm coverage in it.. and the cost is less than a 2017 Civic in my garage.
Should I insure this vehicle through Haggerty or one of the other companies who deal in collectable cars???????? I paid a premium price but it is a premium car????
Mark -- AMichiganHoosier
Drifting
Joined: Jul 2023
Posts: 1,937
Likes: 858
From: Richardson Texas
2025 C6 of the Year Finalist - Unmodified
2024 C6 of the Year Finalist - Unmodified
Hi, Mark, welcome and congrats on your C6. After reading some about it here on the Forum, I went with insurance through the National Corvette Museum. Fortunately, I have never had to use it, but I’m sure there will be several on here who will chime in. One of the things I like best is the agreed upon value. Be aware that there are some restrictions. Enjoy your Corvette! 
Burning Brakes
Joined: Jun 2020
Posts: 1,048
Likes: 447
From: San Jose, CA
2023 C6 of the Year Finalist - Unmodified
2022 C6 of the Year Finalist - Unmodified
Hagerty customer here. I'm happy with them. If you go with collector car insurance, make sure you understand the limitations of having it insured as a classic. You can't daily drive them to work with those policies, for one. Every insurer is different. Ask questions before you commit.
Also, may people will recommend an insurer with the caveat that they haven't had a claim. I have had a claim with Hagerty and they paid for everything no questions, including putting new PPF on the car.
Also, may people will recommend an insurer with the caveat that they haven't had a claim. I have had a claim with Hagerty and they paid for everything no questions, including putting new PPF on the car.
Melting Slicks
Joined: May 2009
Posts: 2,194
Likes: 631
From: Port St Lucie Florida
2025 C6 of the Year Finalist - Modified
2023 C6 of the Year Finalist - Modified
2022 C6 of the Year Finalist - Modified
2021 C6 of the Year Finalist - Modified
Mark - best of luck with your new ride!
Absolutely agree with going with NCM.
Two things I would add.
Go with “agreed value”.
This is where you and the insurance company agree on your comp coverage.
Also - figure out what your annual mileage will be as this will affect your premium.
Absolutely agree with going with NCM.
Two things I would add.
Go with “agreed value”.
This is where you and the insurance company agree on your comp coverage.
Also - figure out what your annual mileage will be as this will affect your premium.
Race Director
Joined: Feb 2001
Posts: 11,122
Likes: 1,984
From: Grapevine Tx
2018 C3 of Year Finalist
2016 C3 of the Year Finalist
If your car gets totaled, State Farm will only pay you wholesale/auction price for your $31,000 car. Probably half that $31k.
USAA was charging me 1500 a year for my '17 Grand Sport. I put my 72 LT-1 and my Grand Sport on Hagerty 2 months ago and the total is 1200 a year. Saved me a bunch and I drive my cars whenever I want, just not for everyday errands.
USAA was charging me 1500 a year for my '17 Grand Sport. I put my 72 LT-1 and my Grand Sport on Hagerty 2 months ago and the total is 1200 a year. Saved me a bunch and I drive my cars whenever I want, just not for everyday errands.
Safety Car
Joined: Dec 2012
Posts: 3,787
Likes: 1,692
From: Summerville SC
Hagerty here, and they have no mileage limits. But most of the collector companies require you to have a daily driver. And it needs to be in a garage. Have fun with the new toy. The best feeling I had when I bought my 2012 was going out to the garage in the morning and seeing it sitting there, knowing it was MINE!
Drifting
Joined: Aug 2022
Posts: 1,392
Likes: 395
From: Ruskin, FL
My C6 daily is with Allstate. I've had a few claims. All paid and work done where I wanted and to my satisfaction.
'93 is with Hagerty. Good price. Insured as a resto project, at agreed value. Funny, they actually offer resto insurance that the amount insured goes up as work is complete.
'93 is with Hagerty. Good price. Insured as a resto project, at agreed value. Funny, they actually offer resto insurance that the amount insured goes up as work is complete.
Racer
Joined: Jul 2019
Posts: 375
Likes: 194
From: Jersey Shore
I have insured my Vettes for years through Grundy. I declare the value of my car, if there is ever an issue I can choose who fixes my car. I don't have to worry about the car being totaled if I ever have an accident.
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Pro
Joined: Apr 2016
Posts: 597
Likes: 238
From: Indiana
If your car gets totaled, State Farm will only pay you wholesale/auction price for your $31,000 car. Probably half that $31k.
USAA was charging me 1500 a year for my '17 Grand Sport. I put my 72 LT-1 and my Grand Sport on Hagerty 2 months ago and the total is 1200 a year. Saved me a bunch and I drive my cars whenever I want, just not for everyday errands.
USAA was charging me 1500 a year for my '17 Grand Sport. I put my 72 LT-1 and my Grand Sport on Hagerty 2 months ago and the total is 1200 a year. Saved me a bunch and I drive my cars whenever I want, just not for everyday errands.