I get your point, but honestly, I learned the hard way to keep comprehensive. Couple years back, parked my old Civic under a tree during a storm—came out next morning to find a huge branch had smashed the windshield and dented the hood. Without comprehensive, would've been out hundreds of bucks. Sure, monthly savings are nice, but one freak accident can wipe that out quick...just something to think about if you're in an area with unpredictable weather or lots of trees around.
Yeah, comprehensive can definitely save your bacon in those freak scenarios. But I wonder if it's always worth it for everyone? Like, I've got a '68 Mustang that rarely leaves the garage—would comprehensive really make sense for me? Still, your story makes me reconsider...trees and storms don't discriminate between classics and daily drivers. Might have to crunch some numbers again and see if I'm gambling too much on luck here. Thanks for sharing your experience, definitely food for thought.
I get your point about crunching numbers, but honestly, comprehensive coverage might not always be the best bet for a car that's mostly parked. If your Mustang rarely sees daylight, maybe consider classic car insurance instead? Usually cheaper, tailored specifically for collector vehicles, and still covers those freak accidents like storms or falling branches. Might be worth checking out before you commit to standard comprehensive. Just my two cents—I'm currently shopping around myself and found some interesting options that aren't always obvious at first glance.
"Usually cheaper, tailored specifically for collector vehicles, and still covers those freak accidents like storms or falling branches."
You know, I was pretty skeptical about classic car insurance at first—figured it was just another gimmick to squeeze extra cash out of enthusiasts. But your point about coverage for parked cars got me thinking. Reminds me of my uncle's old Corvette. He kept it garaged 99% of the time, barely drove it except on sunny weekends. Regular comprehensive was costing him a small fortune, and he grumbled about it constantly. Eventually, someone at his car club mentioned classic car insurance, and he switched over. Saved him a decent chunk of change, surprisingly.
Still, I'm not totally sold on it for everyone. Classic car policies usually have mileage restrictions and sometimes even rules about storage conditions. My uncle had to prove he had a secure garage and couldn't use the Corvette as a daily driver (not that he ever would—he treated that thing better than his kids, haha). But if you're someone who occasionally likes to take spontaneous road trips or doesn't have a dedicated garage, it might not be the perfect fit.
Also, I wonder how strict they are about what qualifies as a "classic." Is it strictly age-based, or do they factor in rarity and condition too? My neighbor has an '89 Mustang that's seen better days—would they even consider insuring something like that as a classic?
Anyway, definitely worth looking into, especially if your Mustang spends most of its life under a tarp. Just make sure you read the fine print carefully... insurance companies love their loopholes.
From what I've seen, classic car insurers usually look at more than just age—condition and rarity definitely factor in. A buddy of mine has an '88 BMW M3 that's in pristine shape, and he had no trouble qualifying for classic coverage. On the other hand, my cousin tried with his beat-up '85 Camaro, and they politely declined. Mileage restrictions can be a pain if you're someone who enjoys spontaneous drives, but honestly, if you're mainly using your car for weekend cruises or shows, it's a pretty solid deal.
Regarding storage conditions, they're typically strict about secure garages or dedicated storage spaces. Makes sense from their perspective though—lower risk equals lower premiums. I'd suggest giving a few insurers a call to see exactly how flexible they are with your neighbor's Mustang. You never know... some companies might surprise you with their willingness to insure less-than-perfect classics.
