Honestly, your point about the “loyalty discount” made me laugh—been there, realized my “VIP” status was just a sticker on the envelope. I totally get wanting to save, but I’ve watched friends with classics regret skimping when something random happens (hailstorm, anyone?). I lean toward extra coverage, even if I barely drive my vintage Jag. For me, peace of mind is worth more than a few bucks saved, especially when parts are rare and repairs get wild. But hey, if you’re disciplined with that rainy day fund… more power to you.
I hear you on the “VIP” status—my last renewal came with a fancy letter and a rate hike. I’ve got a family hauler, not a classic, but even then, I learned the hard way that cutting corners on coverage can backfire. One fender bender and suddenly my “savings” vanished. I’d rather pay a bit more and not sweat every hail cloud.
One fender bender and suddenly my “savings” vanished.
- Been there—thought I was being smart with a higher deductible, but a minor scrape cost way more than the premium difference.
- For my old wagon, I compared agreed value vs. stated value. Agreed cost more, but less hassle if something happens.
- Skimped once on uninsured motorist coverage... regretted it after a hit-and-run in a parking lot. Not making that mistake again.
- Honestly, paying extra for peace of mind isn’t just marketing fluff. It’s real when you’re staring at a repair bill.
Yeah, that “savings” can disappear in a blink—been there myself. I used to think I was clever with a high deductible too, but one careless driver in a parking lot and suddenly I’m out way more than I thought I’d ever risk. I’ve also gone the agreed value route for my ‘79 Datsun, just because I didn’t want to argue with an adjuster about what it’s “really” worth if something happened. It’s pricier, but at least you know what you’re getting.
Uninsured motorist is one of those things you don’t appreciate until you need it. Learned that the hard way after a hit-and-run left me with a busted taillight and a dented fender—no note, nothing. Never skimping on that again.
Curious if anyone’s had luck getting classic car insurance to cover actual driving, not just “parades and shows”? Some policies seem super strict about mileage or where you park. Worth it, or just a headache?
Insurance Tips For My Vintage Ride Needed
Man, I hear you on the “savings” vanishing act. Been there, paid that bill. I went with agreed value for my old Mustang too—figured it was better than haggling with someone who thinks it’s just “an old Ford.” As for classic car insurance, I’ve found some companies are more flexible than others, but yeah, the mileage limits can be a pain. I had to send photos of my garage once, which felt a bit much. Still, I’d rather jump through a few hoops than risk being underinsured. Worth it? Most days, yeah... but I do miss the days when you could just drive and not worry about all this fine print.
