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Classic car insurance and the annual mileage cap—worth it?

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(@matthewpianist)
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Next thing he knew, he was rationing miles like it was gas in the ‘70s.

That’s exactly what happened to me last year. I thought I’d be fine with the cap, but then my commute changed and suddenly every weekend drive felt like a guilty pleasure. I started checking my odometer way too often. The savings are nice, but honestly, I didn’t realize how much I’d miss just hopping in the car without thinking about it. Maybe if you’re super disciplined it works, but for me, it just added stress.


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bjohnson31
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(@bjohnson31)
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Mileage cap definitely feels like a double-edged sword. I tried it for my E-Class coupe, thinking I’d just use it for “special” drives. But then my sister needed airport runs, and suddenly I was doing math in my head every time I got behind the wheel. Feels weird owning a nice car and being afraid to drive it, honestly. The insurance savings are tempting, but I ended up switching back—freedom to drive won out for me.


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animation_daniel2656
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(@animation_daniel2656)
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Had a similar experience with my old Mustang. I thought I'd be fine sticking to the mileage limit—just weekend cruises and car meets, right? But then life happened, and suddenly I was debating if a trip to the grocery store was “worth” a few extra miles. It started to feel like the car owned me, not the other way around. The savings look great on paper, but honestly, the constant worry wasn’t worth it in my case.


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