I get the hesitation, but honestly, classic policies can be a decent deal if your driving habits match up. A few years back, I had an older Mustang—my weekend cruiser—and switched to a classic policy to save some cash. At first, I was worried about mileage limits too, but it turned out I rarely hit the cap anyway. The key was being realistic about how much I'd actually drive it.
As for the coverage gaps, yeah, that's definitely something to watch out for. But in my case, the car was garaged most of the time, so weather damage wasn't a huge concern. If your neighbor parks outside or uses the car more regularly, I can see why he'd feel uneasy. It's really about matching your situation to the policy rather than just chasing lower premiums. Might not be worth it for everyone, but if your driving style fits, the savings can be pretty nice.
Classic policies can definitely work, but Illinois has some quirky rules. Make sure your car qualifies first—usually age and condition matter—and double-check the mileage restrictions. I learned the hard way with my old Benz... better safe than sorry.
"I learned the hard way with my old Benz... better safe than sorry."
Haha, your Benz story reminds me of a client who had this beautiful vintage Mustang. He thought he was all set until he realized the mileage cap was way lower than his weekend drives allowed. Illinois definitely has some odd hoops to jump through. Good call on double-checking those details—classic car policies can be great, but they're not always as straightforward as you'd think. Glad you caught it before it became a bigger headache.
Totally agree with you guys, classic car policies can be tricky. I went through something similar a couple years ago when I was insuring our old family station wagon (not exactly a Mustang or Benz, but still...). At first glance, the policy looked great—low premiums, solid coverage—but when I dug deeper, I noticed some pretty restrictive clauses. For example, it specifically excluded any regular commuting or errands, strictly limiting use to occasional leisure drives and car shows.
Another thing I found odd about Illinois rules is how they handle seasonal storage. If you plan to store your car for winter months, some insurers require you to notify them in advance and even provide proof of secure storage. Miss that step, and you might find yourself without coverage if something happens during storage.
Definitely worth reading all the fine print carefully and maybe even jotting down a quick checklist of key points to verify before signing up. Glad you caught your mileage issue early—those little details can really sneak up on you.
"Definitely worth reading all the fine print carefully and maybe even jotting down a quick checklist of key points to verify before signing up."
Couldn't agree more. When I insured our old Volvo wagon, I almost missed a clause about mileage limits—turns out, even regular family trips could've voided coverage. Illinois insurers seem especially picky about usage definitions. Makes me wonder how many folks unknowingly drive around without proper coverage... pays to double-check everything.
