Good points all around. Learned this the hard way myself when I first got into classic cars:
- Found out standard insurance doesn't always cover "pleasure drives" to car meets or shows. (Seriously?)
- Had to get special collector coverage—bit pricier, but worth it for peace of mind.
- Now I just call my agent whenever I'm thinking about doing something new or different with the car. Saves me from nasty surprises later...
Insurance fine print is a minefield, folks.
Went through something similar, but honestly you don't always need collector coverage. Just call your agent, clearly explain how and when you drive the car, and have them walk you through the specifics. Saves headaches later...
Yeah, collector coverage can be overkill sometimes. I had an older Mustang a few years back—nothing fancy, just a weekend cruiser—and my agent actually talked me out of collector insurance. Saved me a decent chunk each year. But now I'm wondering, does Illinois have any weird rules about seasonal driving or mileage limits that might affect regular coverage? Seems like every state has its quirks...
"does Illinois have any weird rules about seasonal driving or mileage limits that might affect regular coverage?"
Yeah, Illinois doesn't have any specific statewide mileage restrictions for regular coverage, but individual insurers sometimes sneak in their own mileage clauses. When I was shopping around for my first policy, I noticed some companies offered discounts if you drove under a certain number of miles per year—usually around 7,500 or 10,000. It's worth checking your policy's fine print carefully, because those mileage limits can quietly affect your rates or coverage if you're not careful...
"It's worth checking your policy's fine print carefully, because those mileage limits can quietly affect your rates or coverage if you're not careful..."
Exactly this—I almost missed a mileage clause myself. Glad I double-checked, because staying under 10k miles saved me some decent money. Definitely pays to read the details closely...
