Having trouble getting insurance for my JDM import Hilux

[codgn]

I went to state farm and got full coverage and an agreed upon value of 30k for 55 bucks a month for my HDJ that I use to have

 

[GreenPump]

I have had my Hiluxes and HDJ81 insured with Geico in the past, they had to manually input the short VIN.
I have also had my LN106 insured with Hagerty, for an agreed upon value. It cost more, but I was sure glad I had that policy, because some teenager totaled the truck in April.
Now one of my Hilux and the HDJ are insured with Progressive. Same thing, I had to call a few times and get someone who could manually input the short VIN.

Bottom line with insurance, if you don't have an greed value policy, don't expect to actually get the vehicle's value in the event of a total loss. If you just want cheap insurance to drive the truck, go with Geico or progressive, add leading zeros to fill out the online system, and then call to get them taken off by an agent.

 

[Elbee]

USAA has had no questions or issues with any of my various imports.

 

[Heretic]

Somewhat unrelated:

Still waiting on my title transfer, plates & registration

Since my trip permit expires next week, and nothing from DMV came to me in the mail (except one letter asking which vet plates I wanted - which I made clear when I first went into the DMV), yesterday I called the DMV and asked why, after 10 weeks, I still didn't have my OR title.

The customer service person said delivery had been "rejected" but she did not know why. She said I need to go into the local DMV office.

So I went there and waited two hours to see a person who could help me. Turns out they tried to deliver the documents/plates to an old address they had for me, instead of the address on the application and on my ODL. *sigh*.

So I got that straightened out and I get to wait another X number of weeks.

I did get a renewed trip permit that will last for 3 months.

 

[Miloslavich]

you need to get a guaranteed value policy from Grundy or Hagarty.

if you have a policy that isnt guaranteed value, if anything happens they will try to give you pennies on the dollar.

these policies are generally pretty affordable as well

 

[1MOA]

Got my insurance in place effective today thanks to @CreeperSleeper who worked thru the process with me and with Hagerty.

Read your policy very carefully. Hagerty has some rather exceptional exclusions on many of their policies such as having is secured in a locked garage on the property you live at full time and not using the vehicle for anything other than pleasure driving on public roads.

Try another agent? The walk around can be as simple as adding zeros before the actual VIN but the agent doesn’t know that.

It is not ther agent it it is the underwriting at the insurance company. All vins are run to validate what they are insuring. If it is a pre 1980 or non standard vin it is an automatic flag and has to be manually researched before a policy is underwritten. Non standard vins also include OAN ( Owner applied numbers) or state DMV issued vins on junk salvage vehicles or any standard 17 digit vin that is marked as a total loss. Most large insurance companies just decline the coverage and force the agent to have to contact underwriting to document the issue.

 

[Heretic]

Read your policy very carefully. Hagerty has some rather exceptional exclusions on many of their policies such as having is secured in a locked garage on the property you live at full time and not using the vehicle for anything other than pleasure driving on public roads.

Yup - I was aware of this. Hagerty required pics of the pickup and where I store it.

I keep the Hilux in my shop.

I rarely drive the Hilux; I mostly drive my "daily driver" ('14 BMW X1 SUV), and that, not very often as I am retired - maybe once a week on average, usually less (it often sits for two weeks to a month) as I spend 99% of my time at home. I've only put about 200kms on the Hilux since I got it home from Montana in early September. The Bimmer is easier and more comfortable to drive.

The Hilux was purchased mostly to be used as an RV to be driven on the occasional dispersed camping trip during the summer, or maybe (TBD) flat towed behind my Ram 3500 which I will be converting to an RV. Once in a while I will use the Hilux to go into town to pickup things that can't be put in my SUV.

 

[ace10]

IME, Hagerty is very generous with allowable usage as compared to some of the other collector car insurance policies.
None of them are going to allow daily driving 5X week, but some exclude running an errand or taking a short road trip for pleasure. Hagerty will allow up to 5K miles/year/vehicle under certain circumstance. I have a number of vehicles insured with them, and the pnly one that they wouldn't cover was my '95 Taco. Underwriter was a real bastard about it. Even though they cover my '03 Taco which sits in storage.

Hagerty is also pretty easy when it comes to setting up the value and setting coverage limits. AFAIK, they do not offer umbrellas, though.
My ten year experience has been generally positive. I have not had any claims.

 

[Heretic]

None of them are going to allow daily driving 5X week, but some exclude running an errand or taking a short road trip for pleasure. Hagerty will allow up to 5K miles/year/vehicle under certain circumstance.

Yeah - I don't even drive my SUV 5K miles per year. Mostly just bi-monthly trips for phys therapy (chiro/massage) and groceries (which are 20-50 mile round trips into town), and the occasional errand trip to pickup something I bought on FB/CL/hobby forum. In the last 6 years I have put barely 20K miles on my SUV - I retired in early 2020 so no more commuting.

 

[ace10]

Heacock is the one with the super-restrictive conditions:

Eligibility – Heacock Classic

heacockclassic.com

• The vehicle is kept in a fully enclosed, locked, and private garage whenever the vehicle is not being driven.
• The vehicle is primarily used for car shows and hobbyist activities with occasional pleasure use. The vehicle should never be used for back-up transportation or errand running.
• The vehicle is only driven a limited number of miles per year.
• The vehicle is only driven by experienced drivers

Hagerty and Grundy allow a commute to work every now and then.
American Collector requires an additional rider for any commuting.

 

[Heretic]

Somewhat unrelated:

Still waiting on my title transfer, plates & registration

Since my trip permit expires next week, and nothing from DMV came to me in the mail (except one letter asking which vet plates I wanted - which I made clear when I first went into the DMV), yesterday I called the DMV and asked why, after 10 weeks, I still didn't have my OR title.

The customer service person said delivery had been "rejected" but she did not know why. She said I need to go into the local DMV office.

So I went there and waited two hours to see a person who could help me. Turns out they tried to deliver the documents/plates to an old address they had for me, instead of the address on the application and on my ODL. *sigh*.

So I got that straightened out and I get to wait another X number of weeks.

I did get a renewed trip permit that will last for 3 months.

Finally got my title/registration/plates. That was quick - relatively.