Honestly, I’ve seen both sides. Had a client with a ‘68 Mustang—first with a big-name insurer, then switched to a classic car specialist. The difference was night and day. The specialist actually understood what “agreed value” meant and didn’t try to lowball on parts. Still, sometimes it does feel like you’re at the mercy of whichever adjuster picks up your file... but the specialty companies usually train their folks better for vintage stuff.
Had a similar situation with my ‘72 Chevelle. Big-name insurer just didn’t get it—kept quoting “market value” like it was a regular old sedan. Switched to a classic car policy and yeah, the agreed value made all the difference. Still, I always double-check the fine print every renewal. Some of those specialty companies sneak in mileage limits or garage requirements... easy to miss if you’re not careful.
Those mileage limits are sneaky—last policy I had basically wanted me to only drive my ‘68 Mustang to the mailbox and back. I get it, but c’mon, sometimes you just want to hit a cruise night without stressing about the odometer. Has anyone actually had a claim denied because they went over? Wondering if they really check or if it’s more of a scare tactic...
I’ve actually seen a claim get denied over mileage, and it wasn’t pretty. The owner had a ‘72 Chevelle, swore he only took it to shows, but the adjuster asked for maintenance records and receipts—turned out he’d racked up way more miles than the policy allowed. They really do check if they think there’s a reason. I get that it feels restrictive, but those limits aren’t just for show... Sometimes it’s worth paying a bit more for a higher mileage cap if you want to enjoy the car without worrying every time you take it out.
Yeah, those mileage caps can be a pain, but honestly, it’s better to know where you stand than get burned later. I’ve pushed the limits before thinking “what’s a few extra miles?”—not worth the stress. Paying a bit more upfront can save a headache down the road.