Haha, mileage anxiety hits home for sure. Had an old Mustang that I babied way too much—spent half my drives glancing nervously at the odometer instead of just cruising. Finally bit the bullet and went unlimited mileage too, and man, the relief was instant. Vintage rides are meant to be enjoyed, not stressed over... glad you found your peace of mind too.
Totally get the appeal of unlimited mileage, but just a heads-up—sometimes it can bump your premium noticeably. If you're not driving your vintage ride daily or taking long road trips regularly, a limited-mileage policy might actually save you some cash without causing too much anxiety. I mean, I get it, peace of mind is priceless... but crunching the numbers never hurts either. Just something to consider before fully committing.
Good points there, especially about crunching numbers. A couple extra thoughts from a fellow penny-pincher:
- Definitely check out agreed-value policies if you haven't yet. Vintage cars can be tricky with standard coverage—last thing you want is an argument over your car's worth if something happens.
- Limited mileage has saved me a decent chunk each year. I was nervous at first (what if I suddenly wanna road-trip cross-country?), but realistically, my classic spends more time looking pretty in the garage than hitting the highway.
- Also, some insurers offer discounts if you're part of a vintage car club or association. Worth asking about—every little bit helps.
- And don't forget to shop around every couple years. Loyalty doesn't always pay off in insurance-land.
Just my two cents...or maybe one cent, since we're budgeting here.
"Limited mileage has saved me a decent chunk each year."
Good advice there, but I'd add a quick caution—make sure you're realistic about your mileage. I underestimated mine once, thinking I'd barely drive my classic, but ended up attending a bunch of meets and shows. Had to bump up my coverage mid-year, which wasn't exactly budget-friendly. Curious if anyone's had luck negotiating mid-policy adjustments without getting hit too hard on fees...?
I've wondered about this too—had a similar experience last year. Thought I'd barely touch my vintage Mustang, but ended up joining a local club and suddenly found myself driving way more than planned. When I called to adjust my mileage mid-policy, the fees weren't terrible, but definitely noticeable. Made me wonder if there's a better way to handle it... maybe some insurers are more flexible than others?
Has anyone found that certain companies are easier to deal with when your driving habits unexpectedly change? Or is it mostly just luck of the draw with whoever answers your call that day? Curious if there's a strategy to minimize those mid-year adjustment costs, or if it's just something we have to accept as part of owning these classics...
