S-10 Insurance
They told you not to worry about it probably because they are too lazy to address the issue. I went round and round with my insurance company reps about this. They had no clue what I was talking about, so I had to take it to the company directly. IT IS A MAJOR CONCERN for one significant reason! Sure, the S-10 lower rates are nice, but if your vehicle is totalled, or stolen and gone forever, you will only get reimbursed for the replacement value of a used S-10!
I finally got insured under a special policy as a "limited production specialty vehicle" where the value of the vehicle is reviewed each year. (I get to set the replacement value, which I drop each year accordingly.) The deductibles are fixed percentages of the value I set (within reason, of course). I can't drive over 7500 miles per year (no problem for me - it's an '03 with 4700+ now), my rate is significantly lower, and if I add something of value like a supercharger, I can adjust the replacement value up accordingly.
I wouldn't just blow this off and pay the S-10 rates without knowng EXACTLY what the worst thing that could happen is. :thumbs
They told you not to worry about it probably because they are too lazy to address the issue. I went round and round with my insurance company reps about this. They had no clue what I was talking about, so I had to take it to the company directly. IT IS A MAJOR CONCERN for one significant reason! Sure, the S-10 lower rates are nice, but if your vehicle is totalled, or stolen and gone forever, you will only get reimbursed for the replacement value of a used S-10!
I finally got insured under a special policy as a "limited production specialty vehicle" where the value of the vehicle is reviewed each year. (I get to set the replacement value, which I drop each year accordingly.) The deductibles are fixed percentages of the value I set (within reason, of course). I can't drive over 7500 miles per year (no problem for me - it's an '03 with 4700+ now), my rate is significantly lower, and if I add something of value like a supercharger, I can adjust the replacement value up accordingly.
I wouldn't just blow this off and pay the S-10 rates without knowng EXACTLY what the worst thing that could happen is. :thumbs
