I get where you’re coming from, but honestly, I’ve had the opposite experience. For me, the mileage cap is actually a good thing—it keeps my rates down, and I’m forced to drive my classic less, which probably saves me from myself. I mean, yeah, tracking miles can be a pain, but it’s not that hard with most apps or even just snapping a pic of your odometer every month.
For some, peace of mind is worth a bit more in premiums.
I used to pay way more for “peace of mind” because of my driving record, and honestly? Didn’t feel any safer. Now I just stick to the rules and pocket the savings. Guess it depends on how much you trust yourself to keep an eye on the numbers.
Honestly, I’m right there with you on tracking miles—it’s not rocket science. I just jot down my odometer at the start of the policy and again every few months. If I forget, I’ll scroll back through my phone pics and usually find a gas station shot with the numbers showing. The cap definitely keeps my premium in check, and let’s be real, if I had unlimited miles, I’d probably rack up more wear and tear than I’d like to admit. For me, it’s a win-win... unless there’s a spontaneous road trip calling my name, then it gets tricky.
I get the whole mileage cap thing for saving money, but honestly, it kind of kills the fun sometimes. I mean, what’s the point of having a classic if you’re worried about going over some arbitrary number? My ‘72 Chevelle isn’t just for Sunday drives—I want to take it out when the mood hits, not just when I’ve got miles left to “spend.” The premium is lower, sure, but sometimes I feel like I’m paying to not enjoy my own car. Maybe that’s just me...
I get where you’re coming from. I’ve got an old SL and honestly, the mileage cap always feels like a weird trade-off. I mean, yeah, the insurance is cheaper, but it’s like having a bottle of good wine you’re only allowed to sip on holidays. I’ve looked into policies with higher caps, but then the price jumps up fast. Sometimes I just say screw it and pay a bit more so I can actually drive the thing when I want. Otherwise, what’s the point?
I’m shopping for my first classic policy right now and the mileage cap thing has me scratching my head, too. Feels weird limiting myself just to save a couple hundred bucks. My uncle barely drove his MGB because of that, and honestly, it always seemed like a waste.