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Thread: Insurance on SC's

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  1. #1
    Join Date
    Apr 2002
    Location
    Sterling Heights, Michigan
    Posts
    68

    Insurance on SC's

    Hello everyone,

    I am in the process of purchasing a 1991 SC, and, should have it soon. It will be only used during the spring and summer, for going to car shows, meets, weekend cruise, these types of things. My question to all of you is, for this particular scenario, would / do you all have it insured under your insurance company for your daily drivers, or, do you have it insured with another company, perhaps, companies that insure classic vehicles?

    I'm trying to figure out what would be the best route to take in my situation. I do welcome all of the feedback you have to offer, and, any other additonal information that will help me with my decision on this subject. Additionally, I have attached a couple of photos of the SC I am purchasing.

    Thank you all in advance for your time!

    Pierre


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  2. #2
    Join Date
    Jul 2017
    Location
    Northern Virginia
    Posts
    21
    I just purchased a SC for much the same level of use. I went with American Collectors Insurance, which I got to through my USAA insurance. It was cheaper and allowed me to declare the value of the car, but it does limit miles and types of use. Nothing significant relative to your intended use. I think Hagerty's has something similar.

    MP

  3. #3
    Join Date
    Apr 2002
    Location
    Sterling Heights, Michigan
    Posts
    68
    Yeah, in researching the forums, I saw that you just purchased one. Congrats! I was actually looking at Hagerty's earlier this morning. I will have to check out American Collectors Insurance.

    Thanks for the suggestion.

  4. #4
    Join Date
    Feb 2003
    Location
    Tinton Falls, NJ
    Posts
    1,486
    Definitely put collector's insurance on it. I will be much cheaper, and they will give you a stated value policy so you know off the bat what valuation they are using on the car, rather than a regular insurance company where they will value it like any old tbird and you will have to fight to get a fair amount if anything happens. In addition to the other 2 mentioned, Grundy is another one to check out. When looking into the classic insurance though, make sure to find out all the requirements and restrictions, in addition to price and vehicle value, so you can make the right decision.

  5. #5
    Join Date
    Apr 2002
    Location
    Sterling Heights, Michigan
    Posts
    68
    I will definitely check out Grundy as well. Thanks for the other tid bits of information mentioned. That helps out quite a bit.

  6. #6
    Join Date
    Dec 2007
    Location
    Salem, OR
    Posts
    6,284
    You could always do it like the corvette owners do and self-insure by owning two cars so you have a spare when the first one gets stolen, crashed, disappears in a hurricane... Can be cheaper in some cases, or so I hear.

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