Mileage caps are a pain, but honestly, I’d rather deal with a little paperwork than pay double for insurance I barely use. I’ve been burned before—one year I blew past the cap because I didn’t keep track, and the insurer wasn’t exactly forgiving. Now I just snap a pic of the odometer with my phone every time I park it for the night. Not glamorous, but it works. The lack of spontaneity bugs me sometimes, but I’d rather have the car on the road than sitting in the garage because I can’t afford the premium.
Honestly, I get where you’re coming from, but for me, the mileage cap is a necessary evil. My driving record’s not exactly spotless, so if I want to keep my classic on the road without paying through the nose, I’ve got to play by their rules. I track my miles in a spreadsheet—yeah, it’s a little obsessive, but one ticket and my rates skyrocket. Curious—has anyone ever tried negotiating a higher cap with their insurer? Or is that just wishful thinking?
I’ve actually asked about bumping up the mileage cap when I was shopping around, but most companies seemed pretty firm on it. One agent said they might consider it if you pay more, but the quote was way higher than I expected. Honestly, I’m just sticking to the limit for now... feels safer, especially since I’m new to all this and don’t wanna risk messing up my rates before I even get started.
