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post #1 of 39 (permalink) Old Mar 22nd, 01, 09:30 AM Thread Starter
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Join Date: Feb 2001
Location: IL ,USA
Posts: 256

Well my car should be done this weekend but when I spoke to my agent about insuring it he got a funny look on his face and said I would do better finding a company that specializes in classic cars. Since you guys have been a tremendous help with everything else I figured some one would have some info on this.
thanks in advance...Mike
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post #2 of 39 (permalink) Old Mar 22nd, 01, 09:37 AM
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Join Date: May 2000
Location: Ohio, USA
Posts: 988

Try State Farm

67 RS/SS 350 2004R (owned since 81)
97 V6 5-speed Coupe (work car ordered new)
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post #3 of 39 (permalink) Old Mar 22nd, 01, 09:39 AM
Join Date: Mar 2001
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I have used Hagerty Insurance for a few years. I have been real happy with them, but have never had a claim (the real test of an insurance company). Go to for more info and on-line quotes. They use agreed-to values, with 100% coverage and zero deductibles.
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post #4 of 39 (permalink) Old Mar 22nd, 01, 09:52 AM
Join Date: Feb 2001
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catalkir is right seem to be ok no clames tho.
State Farm is ok too.

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post #5 of 39 (permalink) Old Mar 22nd, 01, 10:10 AM
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Location: Simpsonville, SC
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I just ran mine through my Nationwide agent. Mine is insured for a little more than what I paid for it. Most guys I've talked with that have restored one have had to get an appriasal and submit that with pictures of the car. It should be an easy and straight forward process. Maybe your agent isn't on your side like Nationwide (ha).


'69 getting better every day... (every pay day)
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post #6 of 39 (permalink) Old Mar 22nd, 01, 10:14 AM
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Location: Rowlett, TX USA
Posts: 538

I have State Farm for my regular carrier and for classic cars, you'd be better off with Haggerty's, unless it's going to be a daily driver. Classic car insurance has restrictions on the policy such as how many miles you drive on an annual basis, where it's parked...etc...
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post #7 of 39 (permalink) Old Mar 22nd, 01, 10:22 AM
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Location: Orchard Park, NY USA
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Mine's through my independent agent with CHUBB. I'm insured for $18,000 replacement value and its $340 a year.

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post #8 of 39 (permalink) Old Mar 22nd, 01, 10:36 AM
Join Date: Sep 2000
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Classic car insurance is good if it's only going to be driven occassionally. Most of their policies have restrictions on mileage & where it an be driven, like has been mentioned.

Your current agent should be able to help you out with a stated value policy. We have the 57 insured that way on the same policy with all of the other cars. In that case if something happens to the car you know exactly what you will get out of it.

The big thing is shop around. Rates vary tremendously from company to company. Also check with local independent agents. They usually have access to several companies & can usually find a market to suit your needs.

Don't forget to check the blue book value on the car. When we found the vette, we checked everything out & found out that if the car were totaled we would make a profit on it, if it were insured with no special type of policy. Not that I would want that to happen.

Can you tell I used to work in insurance ? I'll be happy to make referrals to some good guys that I know in the business. If anyone is interested, e-mail me. (You would have to be in SC though due to licensing laws.)
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post #9 of 39 (permalink) Old Mar 22nd, 01, 01:38 PM
Join Date: Jul 2000
Location: Rock Hill, South Carolina, USA
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You may want to check with Grundy Worldwide 800-338-4005. They only require a couple of pictures and a check. The price was very comparable for agreed value.
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post #10 of 39 (permalink) Old Mar 22nd, 01, 03:03 PM
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Location: Wilton, Ca. USA
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You have to watch out using the State Farm's and Allstate type companies. I use both for my regular personal and business vehicles. But as Angie RS/SS said their policies are "stated value". This is NOT the same as agreed value. Agreed value is a value you and the agent agree on; in the case of a total loss that's how much you'll get. Stated value is the MOST they'll pay on the claim; however, they can (and will try) to depreciate the value of the car, and you may not receive anything resembling this amount in a total loss.

I use Grundy for my 72 Camaro. They have agreed value policies, NO mileage limitations, and the only restriction is they don't want the car to be your only transportation. For a value of $18K I pay about $200 per year.

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post #11 of 39 (permalink) Old Mar 22nd, 01, 03:10 PM
Join Date: Dec 2000
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Either Grundy or J C Taylor- both can be found in Hemmings.
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post #12 of 39 (permalink) Old Mar 22nd, 01, 03:41 PM
Join Date: May 2000
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I use Haggerty they have good rates and seem to actually understand something about classic cars. You agree to the value of your car and the rate is figured on that. Thankfully, I have never had to make a claim but I feel they would back up there policy.

69' R/S Lemans blue,deluxe interior,houndstooth, 406, 12 bolt.
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post #13 of 39 (permalink) Old Mar 22nd, 01, 03:42 PM
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Location: Benicia CA
Posts: 1,250

I just added my 69 to my regular AAA policy. Took lots of pictures for my records in case of problems. As the 3rd car, it's $500/yr with full coverage. 500k liability.
Won't know if it's a problem till it's too late, tho'.

69 396 w/SS Trim, B&M TH400, 3.55 12 Bolt Posi, Blue w/White Z28 Stripes, Chrome Rally Wheels
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post #14 of 39 (permalink) Old Mar 22nd, 01, 04:28 PM
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I also use Grundy Worldwide for my 69 Z/28. The agreed value is 30000.00 and the yearly cost is only 228.00. Only a few stipulations I can not drive this car to work and must be garage kept,also no teenage drivers.
I have never had to collect a claim from them but so far I am very happy with their service.

69 Z/28 X77 D80 81000 original miles,DZ 302, M-21, BU 373 Rear End, ZL-2 Ducted Hood, Daytona Yellow, Black Deluxe, Tilt, Factory AM/FM, Console Gauges.
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post #15 of 39 (permalink) Old Mar 22nd, 01, 05:21 PM
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I use Hagerty. $25000 coverage for $398 a year.

'69 RS/SS396 pro street
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