I've been in a similar boat mileage-wise—around 4k miles on my older Mustang per year. Regular insurance felt safer initially, but after a minor fender-bender, the payout was disappointingly low. Switched to specialty agreed-value coverage after that. Yeah, it's pricier and comes with mileage limits, but at least I know exactly what's covered. Might be worth checking if you can negotiate mileage limits slightly upward... some insurers are surprisingly flexible.
Had a client a while back with a pristine '68 Camaro, similar mileage to yours—he was hesitant about specialty coverage at first too. But after a garage mishap (shelf collapse, ouch...), regular insurance barely covered the paint job, let alone the original trim. Specialty agreed-value policies aren't perfect, but knowing exactly what's covered can save a lot of headaches later. Definitely worth asking insurers about mileage wiggle room—some are more accommodating than you'd expect. Just make sure any adjustments are clearly documented in writing.
Specialty policies have their merits, but they're not always the best fit. Had a similar situation with my vintage Jag—specialty coverage was restrictive on usage, even with mileage adjustments. Ended up negotiating a rider on my regular policy that covered agreed-value without the strict mileage caps. It's pricier, sure, but flexibility matters if you actually drive your car regularly. Worth exploring all options before settling on specialty coverage alone.
I get your point on flexibility, but honestly, specialty policies can still be a better deal if you're budget-conscious. I've got one on my classic Mustang, and even with mileage limits, I've found ways to make it work. I just plan my usage carefully—weekend cruises and occasional shows—and the savings really add up. Agreed-value riders on regular policies can get pricey fast, especially if you're not driving daily anyway... so I'd still weigh the costs carefully before dismissing specialty coverage altogether.
That's an interesting perspective, especially about carefully planning your usage to stay within mileage limits. I'm curious though—do specialty policies typically have any specific safety or storage requirements? I've heard some insurers can be pretty particular about garages, alarms, or even fire suppression systems for classic cars. Wondering if you've encountered any of these conditions and how manageable they've been in your experience...
