Man, Delaware insurance is like a choose-your-own-adventure book—except every ending costs more than you thought. I’ve seen folks try to bundle a classic, a work truck, and a daily driver, and the quotes come back looking like Monopoly money. Ever tried getting coverage for something weird, like an old van or a project car? That’s when the real circus starts...
- Been down the Delaware insurance rabbit hole more times than I’d like.
- Bundling sounds smart, but when you throw in anything “unusual”—like my old ‘92 conversion van—the quotes just get wild.
- Tried to insure it as a “recreational vehicle” once, thinking maybe that’d help. Nope. Ended up with a policy that didn’t even cover half the stuff I needed.
- For project cars, most companies just don’t want the risk unless it’s fully restored and garaged 24/7. Even then, they want photos, appraisals, and sometimes mileage logs.
- Classic car policies are a little better if you don’t daily drive them, but if you take them on road trips? Suddenly there are mileage caps and restrictions that make it almost not worth it.
I’m always worried about gaps in coverage—like, what if you’re in between restoration phases or your “occasional use” turns into a weekend trip? Has anyone actually had to file a claim on one of these oddball vehicles? Curious how that played out...
Man, the hoops they make you jump through for anything that isn’t a boring sedan are wild. I tried getting my ‘85 El Camino covered as a “classic” and the agent acted like I was trying to insure a spaceship. Ended up with a policy that had more fine print than my last tax return. Never had to file a claim (knock on wood), but I’ve heard horror stories about adjusters nitpicking every little thing if your car isn’t exactly how you described it. The mileage caps are the worst—like, what’s the point of owning something fun if you can’t actually drive it?
Mileage caps are the bane of my existence, honestly. I get that they want to limit risk, but if I wanted a garage queen, I’d buy a model car and call it a day. Did your agent even know what an El Camino is? I had to explain to mine that my ‘79 isn’t just a “pickup” or a “coupe”—it’s both, and that seemed to short-circuit their system. Ever tried shopping around with the specialty insurers like Hagerty or Grundy? They’re not perfect, but sometimes they’re less uptight about mods and actual driving. Still, the hoops are real...
Mileage caps are such a pain, especially if you actually want to drive your car and not just stare at it in the garage. I’ve run into the same confusion with agents about “unusual” cars—had to explain what a Civic Type R was, which felt wild considering how many are on the road now. Specialty insurers like Hagerty are decent for classics, but even they get weird about how much you drive. Grundy quoted me but then balked at my commute distance, so that was out.
Honestly, I’ve had better luck with some of the bigger mainstream companies if you’re willing to call around and really push for an agent who understands modified or rare vehicles. It’s more work upfront, but sometimes they’ll let you set a realistic mileage cap or even waive it if you can justify your usage. Not perfect, but at least I don’t have to keep my car under a tarp half the year... Delaware’s market is just small enough that options feel limited, though. If anyone’s found a company that actually gets it, I’d love to hear about it.
