Classic car insurance and the annual mileage cap—worth it?
Mileage caps threw me for a loop too when I started looking into classic policies. I’m the type who likes to take the car out whenever the mood strikes, and the idea of having to count miles felt like a buzzkill. Last summer, I ended up going over my cap by about 400 miles after a couple of impromptu trips—nothing wild, just couldn’t resist a few extra ice cream runs and an out-of-town car show.
Here’s what I found: most insurers do expect you to stick to the limit, but they’re not sitting in your driveway with binoculars. When I renewed, they just asked for an odometer reading. I was honest about it and they didn’t freak out—just adjusted my rate a bit for the next year. No drama, no lectures.
Honestly, if you’re planning to use your classic as a daily driver or for long road trips, it might not be worth the hassle. But if you’re mostly just cruising on weekends or hitting up local events, the savings are pretty decent. Just depends how spontaneous you want to be... or how good you are at “forgetting” to check your odometer.
I get what you mean about the mileage cap being a buzzkill. I’ve always been a little skeptical about how strict these companies really are, but your experience lines up with what I’ve heard—no one’s out there policing every mile. Still, I can’t help but wonder if it’s worth the hassle for folks who like to just drive without thinking about limits.
That’s pretty much where I land too. For me, the savings are nice, but I’d rather not stress about going over by accident. Guess it comes down to how much you value peace of mind vs. saving a few bucks.“if you’re planning to use your classic as a daily driver or for long road trips, it might not be worth the hassle.”
I hear you on the peace of mind thing. I looked into classic insurance for my old wagon, but the mileage cap just felt too restrictive. My weekends are unpredictable—sometimes I barely drive, other times I’ll rack up a few hundred miles without thinking. The savings are tempting, but honestly, I’d rather not have to keep track or worry about getting dinged if I go over. For folks who only take their cars out for shows or short cruises, it probably makes sense, but daily use? Not for me.
Yeah, I get what you mean about the mileage cap.
Same here—tracking miles just feels like another chore. Have you ever looked into pay-per-mile insurance instead? Wondering if that’s any less hassle for folks who drive unpredictably.“The savings are tempting, but honestly, I’d rather not have to keep track or worry about getting dinged if I go over.”
