Agreed-value is definitely the way to go for vintage rides. Had a friend who learned that the hard way after his '72 Chevelle got rear-ended... regular insurance barely covered half the rebuild. Did your agent talk about mileage limits or storage requirements at all?
I've been curious about this too—especially the mileage restrictions. A buddy of mine looked into agreed-value coverage for his Mustang, and they had some pretty strict mileage caps. Made me wonder if it's worth it if you actually like driving your car regularly. Did your agent mention if there are different tiers or options for mileage limits, or is it just one-size-fits-all? Also, how strict are they about checking your odometer?
I've wondered about this as well, especially since I'm currently shopping around for my first policy. From what I've gathered, some insurers offer different mileage tiers, giving you flexibility depending on how much you plan to drive. But you're right—if you're someone who enjoys regular weekend cruises or road trips, strict mileage caps might feel restrictive. Regarding odometer checks, I've heard mixed things...some companies apparently check annually, while others seem pretty laid-back unless you file a claim. Curious to see what others have experienced.
I've been considering the mileage cap thing myself... it makes sense if you're mostly going to local meets, but for longer trips I'm not sure. Has anyone had experience temporarily bumping up their mileage limit for a specific road trip or event? Curious how flexible insurers are with that.
I've looked into this myself a bit, since I tend to rack up miles pretty quickly (daily commute plus weekend drives add up fast...). From what I've seen, insurers can actually be fairly flexible about temporarily adjusting mileage limits for specific trips or events. It usually involves giving them a heads-up ahead of time and maybe paying a small fee or adjustment for the extra miles. But it really depends on your insurer and how strict they are.
One friend of mine took his vintage Mustang on a cross-country trip last summer and had no trouble bumping up his mileage cap temporarily—he just called them beforehand, explained the situation, and they sorted it out without much fuss. On the flip side, another buddy tried something similar with a different insurer and got hit with a pretty steep charge.
So I'd say it's worth checking directly with your insurance company before planning anything major. Maybe ask them specifically about temporary adjustments rather than permanent changes? Could save you some hassle (and cash) down the road.
