- Totally agree, keeping a log is just easier in the long run.
- I’ve actually had to send in odometer pics a couple times, and it was painless since I already had them saved on my phone.
- The cap can feel restrictive, but the rates are unbeatable for what you get—especially if you’ve got something rare or high-value sitting in the garage most of the year.
- Curious, has anyone ever tried negotiating a higher cap? Wondering if that’s even possible or if they’re pretty set on those limits...
I get why people love the low rates, but honestly, the mileage cap is a dealbreaker for me. I drive my classic way more than just to shows or the odd weekend cruise—sometimes it’s my daily if the weather’s nice. I’ve asked about bumping up the cap before and got a hard no, which was kind of frustrating. Maybe it works if your car mostly sits, but for folks who actually want to enjoy driving, it feels pretty limiting.
Classic Car Insurance Mileage Caps—A Real Limitation?
I drive my classic way more than just to shows or the odd weekend cruise—sometimes it’s my daily if the weather’s nice. I’ve asked about bumping up the cap before and got a hard no, which was kind of frustrating.
That’s a really fair point. The mileage cap is one of those things that looks great on paper until you actually want to use your car for more than just special occasions. I’ve run into the same wall with my policy—once you start asking about higher limits, suddenly those “great rates” don’t look so great anymore, or they just flat out say no.
Honestly, I think there’s a big disconnect between how some insurers imagine people use their classics and how a lot of us actually do. Not everyone wants their car to be a garage queen. I get wanting to keep premiums low by limiting risk, but it does feel like you’re being punished for wanting to enjoy your own car.
I remember last summer, we had this perfect stretch of weather and I ended up taking my old Mustang out almost every day. By July, I was already sweating about hitting the cap. It kind of takes the fun out of it when you’re constantly checking your odometer instead of just enjoying the drive.
It’s not all bad—I know some folks who are happy with the arrangement because their cars really do only come out for shows or parades. But if you’re someone who likes to take spontaneous road trips or even just run errands in your classic when the mood strikes, it can be pretty limiting.
I wish there were more flexible options out there. Maybe someday insurers will catch up with how people actually use these cars... Until then, I guess it’s a trade-off between cost and freedom. For me, I’d rather pay a bit more and not have to stress about every mile.
Yeah, I hear you. The mileage cap thing drives me nuts too. I get that they want to keep the risk down, but it’s almost like they expect us to just polish the car and stare at it. I didn’t buy my Chevelle to let it sit under a cover half the year. If I want to take a random trip up the coast, I don’t want to be doing math in my head about how many miles I’ve got left. Honestly, sometimes I wonder if it’s even worth the “classic” policy when regular insurance is just more flexible, even if it costs a bit more.
I get where you’re coming from, but I actually stick with my classic policy for a few reasons:
- The agreed value thing is a big deal for me. If something happens, I know what I’m getting.
- My premiums are way lower than regular insurance, even with the mileage cap.
- Most of my driving is just weekend stuff or car meets anyway, so I don’t usually hit the limit.
Yeah, it’s annoying to think about miles sometimes, but for me, the trade-off’s worth it. If you’re using your Chevelle as a daily or for long trips, though, I can see how it’d be a pain.
