Have you checked if your insurer offers mileage-based discounts or classic car policies? I switched my old Volvo to a classic policy last year, and it made a noticeable difference. They usually factor in limited driving and careful maintenance, so it might suit your situation. Also, have you considered taking a defensive driving course? Some insurers give discounts for that too—plus, with vintage brakes, extra safety tips never hurt...
"Have you checked if your insurer offers mileage-based discounts or classic car policies?"
Mileage-based discounts are definitely worth exploring. A couple of years ago, I switched my '69 Mustang to a policy that accounted for limited mileage, and the savings were substantial. They did ask for odometer readings periodically, but it wasn't a hassle. I'd also second the defensive driving course suggestion—did one myself and got a small discount. Plus, honestly, it was useful considering how unpredictable modern traffic can be when you're behind vintage steering and brakes...
Just went through this myself—first time insuring my '72 Beetle. I looked into mileage-based discounts, but honestly, my driving habits weren't predictable enough to make it worthwhile. Ended up going with a classic car policy instead. Surprisingly straightforward, and coverage was way better than standard policies I checked out. Didn't even need periodic odometer checks, which was a plus since I tend to forget stuff like that...
Did you find the classic policy pricier overall, though? I've been tempted by the coverage benefits myself, but always worry about hidden catches or higher deductibles sneaking up later...
I get the hesitation—classic policies can seem too good to be true sometimes. When I switched over, my premium actually dropped a bit, but the deductible was slightly higher. Not a huge deal-breaker, but something to keep an eye on. What worries me more is the fine print around mileage limits or restrictions on repairs. Have you looked into how strict they are about mileage tracking? That's the part I'm still skeptical about...
