Lets see some lifted SuperCabs!!!
Freshman User
Joined: Dec 2004
Posts: 33
Likes: 0
Insurance
To add a wrinkle to the new/old discussion here, how are you all insuring your trucks that are worth 10k+ but only book at 2-5k? I have a 79 supercab 4x that I've done a lot of work to, and I'm considering a cummins swap, but I'm a little concerned about getting shafted if some bonehead t-bones me or something. I have agreed value insurance on my boat, but I haven't found anyone that will write that type of policy on my truck. I periodically browse the local craigslist, and download ads to try to build a comp library in case the worst happens, but don't have much confidence in winning. Any thoughts?
Jeff
Jeff
Elder User
Joined: May 2010
Posts: 558
Likes: 1
To add a wrinkle to the new/old discussion here, how are you all insuring your trucks that are worth 10k+ but only book at 2-5k? I have a 79 supercab 4x that I've done a lot of work to, and I'm considering a cummins swap, but I'm a little concerned about getting shafted if some bonehead t-bones me or something. I have agreed value insurance on my boat, but I haven't found anyone that will write that type of policy on my truck. I periodically browse the local craigslist, and download ads to try to build a comp library in case the worst happens, but don't have much confidence in winning. Any thoughts?
Jeff
Jeff
Moderator
Joined: Jan 2006
Posts: 1,779
Likes: 3
From: Waterloo IL
I told my insurance company that I wanted my Fairlane insured for 10k so thats what they wrote it up for. No mile restriction either.
I have antique plates and insurance on my Fairlane and the first thing EVERYONE always says is "yeah but there's a mileage restriction". I've seriously heard that 50 times if not more. I have no idea where that comes from. No one has told me of any miles restriction or asked how many miles on the car to even keep track if there was one.
I have antique plates and insurance on my Fairlane and the first thing EVERYONE always says is "yeah but there's a mileage restriction". I've seriously heard that 50 times if not more. I have no idea where that comes from. No one has told me of any miles restriction or asked how many miles on the car to even keep track if there was one.
Lead Driver
Joined: May 2007
Posts: 6,993
Likes: 15
From: Costa Mesa, CA
Many "classic" car insurance policies have mileage limits (along with some saying it has to be garaged, etc.). That is where that comes from.
As with everything a little research and question asking about what the coverages and limitations to the policy are will be a good idea. That way you can choose the best plan for YOU. I would start by discussing the "stated" or "agreed" value insurance plan like others mentioned. It is what I will be doing with my trucks when they are complete.
As with everything a little research and question asking about what the coverages and limitations to the policy are will be a good idea. That way you can choose the best plan for YOU. I would start by discussing the "stated" or "agreed" value insurance plan like others mentioned. It is what I will be doing with my trucks when they are complete.
Elder User
Joined: May 2010
Posts: 558
Likes: 1
I told my insurance company that I wanted my Fairlane insured for 10k so thats what they wrote it up for. No mile restriction either.
I have antique plates and insurance on my Fairlane and the first thing EVERYONE always says is "yeah but there's a mileage restriction". I've seriously heard that 50 times if not more. I have no idea where that comes from. No one has told me of any miles restriction or asked how many miles on the car to even keep track if there was one.
I have antique plates and insurance on my Fairlane and the first thing EVERYONE always says is "yeah but there's a mileage restriction". I've seriously heard that 50 times if not more. I have no idea where that comes from. No one has told me of any miles restriction or asked how many miles on the car to even keep track if there was one.
The plan I originally had with my truck was stated insurance with no restrictions. When I went to a pure collector's policy with restrictions, my premiums were cut in 4 and I got twice the coverage. The restrictions were something I complied with anyways. My truck is truly just a show truck, summer driver, not a daily driver, so the restrictions weren't an issue with my situation.
Post Fiend
Joined: Oct 2003
Posts: 6,949
Likes: 1
From: utica il
back when i used to have multiple vehicles registered at a time, i had a set up with statefarm where one was my main vehicle with unlimited mileage and a higher monthly payment, and the rest were secondary vehicles with mileage restrictions and super low payments. they never formally asked for mileage records, but they also let me use my commuter car for the main vehicle even though it was the cheapest to cover. i guess you were supposed to have the most expensive to cover vehicle as the main driver.
Elder User
Joined: May 2010
Posts: 558
Likes: 1
Here's a good thread I found on insurance. The owner of this thread may get mad at us for talking about insurance......someone can start a new one.
https://www.ford-trucks.com/forums/7...vs-grundy.html
https://www.ford-trucks.com/forums/7...vs-grundy.html
FTE Stories
Ford Trucks for Ford Truck Enthusiasts
10 Ugly Ford Trucks That We Still Kinda Love
Joe Kucinski
10 Things Every Truck Owner NEEDS (2026 Edition)
Michael S. Palmer
Rezvani's Latest Post-Apocalyptic Monster Is a Ford F-150 Raptor Underneath
Verdad Gallardo
Top 10 Most Expensive Ford Trucks Ever Sold on Bring a Trailer
Joe Kucinski
2027 Ford Super Duty Buyer's Guide (Every Model, Engine, & Package)
Brett Foote
Top 10 Ford Truck Tragedies
Joe Kucinski
AEV FXL Super Duty - the Super Duty Raptor Ford Doesn't Make
Brett Foote
Lobo Vs Lobo: Proof the F-150 Lobo Should Be Even Lower!
Michael S. Palmer
Ford's 2001 Explorer Sportsman Concept Looks For a New Home
Verdad Gallardo
Moderator
Joined: Jan 2006
Posts: 1,779
Likes: 3
From: Waterloo IL
Here's a good thread I found on insurance. The owner of this thread may get mad at us for talking about insurance......someone can start a new one.
https://www.ford-trucks.com/forums/7...vs-grundy.html
https://www.ford-trucks.com/forums/7...vs-grundy.html
Senior User
Joined: Mar 2010
Posts: 190
Likes: 0
haha next step im going to remove the front bumper, and cut the bottom of the grill shell and fenders of and raise the bumper another inch or 2. i got a few more plans. its only a wheeler so not to worried about the body right now.