Yeah, I get that. My daily’s a beater Civic, but I’ve got an old Camaro I only take out on weekends. The mileage cap is annoying, but honestly, it’s the only way I can swing the insurance. Sometimes I wish I could just drive it more, though...
My daily’s a beater Civic, but I’ve got an old Camaro I only take out on weekends.
I get where you’re coming from. I just signed up for my first classic policy on my old Volvo wagon, and the mileage cap is honestly the only way I could afford it. Still, I keep thinking, what’s the point of owning something cool if you can’t actually drive it when you want? I mean, I get the insurance company’s logic, but it feels a bit backwards. Like, I’m paying to NOT use my car? Makes me wonder if it’s really worth the savings sometimes.
I get the frustration, but honestly, I think the mileage cap is a fair trade-off for the lower premiums. From my perspective, it’s not just about saving money—it’s about managing risk. Classic cars are magnets for trouble, whether that’s theft, accidents, or even just random stuff like hail damage. The less time they’re on the road, the less chance something goes sideways.
I used to daily my old Mustang and after a couple close calls (one involving a distracted driver and another with a runaway shopping cart), I started seeing the value in limiting how much I drive it. Sure, it’s not as fun having to plan when I can take it out, but at least I’m not constantly worried about every little thing that could go wrong.
It does feel weird paying for something you can’t use all the time, but for me, peace of mind is worth more than unlimited miles. Maybe it’s just my luck with accidents talking...
Totally get where you’re coming from. I’ve had my share of fender benders and random stuff happening, so I’m all about keeping costs down where I can. The mileage cap does feel restrictive sometimes, but honestly, I’d rather pay less and just be a little more strategic about when I take the car out. It’s not like I’m driving my classic every day anyway—gas prices alone keep me in check.
I used to think it was a ripoff too, paying for something I couldn’t use whenever I wanted. But after dealing with a couple insurance hikes (thanks to my not-so-great driving record), the lower premium is worth the trade-off for me. Plus, less time on the road means less chance for something dumb to happen—like that time someone backed into me at the grocery store and just drove off...
It’s not perfect, but peace of mind and saving some cash? Hard to argue with that.
I hear you on the peace of mind part, but I’ll admit, the mileage cap still bugs me sometimes. I love taking my classic out for those spontaneous weekend drives, and it’s a pain having to keep one eye on the odometer. That said, after seeing what full coverage costs without restrictions, I get why people stick with the cap. Guess it’s a trade-off—either pay more or drive less. Still, every time I pass up a sunny day cruise, I wonder if I’m missing the point of owning the car in the first place...