"Wonder if insurers will eventually factor in things like secure storage or mileage limits more heavily?"
Yeah, I've wondered the same thing myself... seems logical they'd reward people who clearly go the extra mile (or fewer miles, haha) to protect their classics. I mean, if you're barely driving and storing it safely, shouldn't that count for something? Fingers crossed insurers catch on soon, but knowing how slow these changes usually roll out, I'm not holding my breath either. Hang in there, though—maybe we'll see some common sense eventually.
Yeah, makes sense they'd eventually lean that way. I remember years ago my uncle got a discount just for having his classic in a locked garage overnight... but lately insurers seem less generous. Maybe mileage trackers or something similar could change their minds eventually? Guess we'll see.
Mileage trackers could definitely help insurers feel more comfortable offering discounts again. I've seen a few classic car policies lately where they specifically ask about annual mileage and storage conditions, and some even offer better rates if you agree to limited use. It seems insurers are shifting from general assumptions toward more personalized data. Might be worth checking with your provider if they'd consider a mileage-based policy... could save you a bit if you're not driving your classic regularly.
Mileage-based policies do sound appealing, especially if you don't drive your classic much. But I'm curious—how exactly would the mileage tracker work? Do insurers provide their own device, or can you just use an app? Haven't looked into this much yet...
"Mileage-based policies do sound appealing, especially if you don't drive your classic much. But I'm curious—how exactly would the mileage tracker work? Do insurers provide their own device, or can you just use an app?"
I looked into this briefly last year when renewing my policy. From what I found, it really depends on the insurer. Some companies send you a small device that plugs into your car's OBD-II port, and it tracks mileage directly. Others just ask you to snap a photo of your odometer periodically and upload it through their app or website. Personally, I went with the photo method because it felt less intrusive and didn't require installing anything extra in my car. Plus, I didn't love the idea of having a tracker plugged in all the time—just felt a bit too "Big Brother" for my taste. Either way, mileage-based policies can definitely save you money if your classic spends most of its time parked in storage like mine does.
