I was wondering about the mileage tracking too, glad someone brought it up.
"Personally, I went with the photo method because it felt less intrusive and didn't require installing anything extra in my car."
Yeah, that makes sense... but how exactly do insurers verify those odometer pics? Seems like it'd be pretty easy to fudge the numbers if someone really wanted to. Maybe that's why some companies prefer the plug-in tracker? Just curious if anyone's had their insurer question or audit their mileage submissions before.
I've wondered about the verification process too, honestly. A couple years back, I switched insurers and they asked me to submit odometer pics at renewal. I figured they'd just glance at them and that'd be it. But then they actually called me up about a week later because my mileage seemed unusually low compared to previous years (I had started carpooling more often, so it was legit). They didn't accuse me of anything shady, but they did ask a few follow-up questions about my driving habits and even requested another pic after a month just to confirm.
It wasn't a huge hassle or anything, but it made me realize insurers probably have some internal flags when numbers don't line up with past data. So yeah, the photo method feels easier and less intrusive overall—but I'm guessing if your reported mileage suddenly drops or doesn't match past patterns, they're probably gonna check into it a bit deeper.
I recently got my first insurance policy and had to submit odometer pics too. Honestly, I thought it was just a formality until they emailed me asking why my mileage was so low. Guess they're more thorough than I expected... kinda makes sense though, from their perspective.
Yeah, insurance companies can be surprisingly picky about mileage, especially with classic cars. I get why they're cautious—low mileage usually means lower risk, but sometimes it raises red flags if it's unusually low. They're probably just making sure you're not fudging numbers to get a better rate (trust me, I've seen people try some wild stuff). Still, it's a bit much to grill you over genuinely low mileage. If your car spends most of its time in storage or at shows, that's totally legit. I'd just explain your situation clearly and maybe toss in a pic of your storage setup or something. Usually, once they see you're being upfront, they'll back off. It's annoying, sure, but from their perspective, they're just covering their bases. Hang in there—once they get used to your driving habits (or lack thereof), they'll ease up a bit.
"Still, it's a bit much to grill you over genuinely low mileage."
Yeah, I totally get the frustration here. I've dealt with plenty of classic car policies, and honestly, insurers just want reassurance you're not gaming the system. If your car's mostly in storage or at shows, that's perfectly reasonable. Just document your setup clearly—photos really do help. Once they see you're legit, they'll usually ease off. Hang tight, you're doing everything right...they'll come around eventually.
