I ran into this a couple years ago with my ‘78 Camaro. The cap sounded doable at first, but I ended up close to the limit just from a few summer events and random drives. I called my insurer before I went over, hoping for some wiggle room—they basically said, “One time is fine, but don’t make it a habit.” That made me rethink things. If you’re on a tight budget, it’s tempting to just risk it, but honestly, I’d rather not stress about every mile. Sometimes paying a bit more for higher limits saves headaches later.
Honestly, I get where you’re coming from, but I’ve always just rolled with the cap. Here’s my take:
- If you’re careful with tracking, it’s not that hard to stay under.
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—I get that, but I’d rather save the cash and take my chances. If you only go over once in a while, most companies don’t seem to care unless you’re constantly blowing past the limit.“I’d rather not stress about every mile.”
- Extra coverage is nice, but for me, the risk is worth it for the lower premium. Just depends how much you actually drive, I guess.
Honestly, I get where you’re coming from, but I’ve always just rolled with the cap. Here’s my take:- If you’re careful with tracking, it’s not that hard to stay under.
I hear you on the “save the cash and take my chances” angle, but as someone who racks up miles fast, I’m always sweating the odometer. Even with careful tracking, life happens—one extra road trip and suddenly I’m over. The stress isn’t worth the savings for me. Maybe I just have bad luck with audits, but I’ve had a company actually check once... not fun.