I hear you on the tracking thing—it’s a little unsettling at first, but I’ve seen folks save a decent chunk, especially if they’re not driving much. About AAA, I actually keep it for all my cars, just for peace of mind. Had a flat on my daily driver last winter and was glad I had it. Have you ever had to use their classic car towing? I’ve heard they’re a bit more careful with those, but I haven’t needed it yet. Also, with those classic policies, did you run into any weird restrictions on where you can drive? Some of the fine print can get pretty specific...
Never had to use AAA for my old Mustang, but I did call them once for my minivan when the battery died at the grocery store—super fast, but I was sweating bullets thinking about what they’d do with a classic. I’ve read those classic policies can be strict about “pleasure use only.” My neighbor got dinged for driving his Chevelle to work a few times. It’s wild how picky they get with the fine print... makes me double-check every time I take the old truck out.
Yeah, those “pleasure use only” clauses are no joke. I’ve heard of folks getting their claims denied just for taking their classics to the hardware store. Makes you wonder—do any companies actually offer flexible policies for older drivers who want to enjoy their cars without all the restrictions?
Makes you wonder—do any companies actually offer flexible policies for older drivers who want to enjoy their cars without all the restrictions?
I get where you’re coming from, but honestly, I think those “pleasure use only” clauses are mostly there because people try to game the system. I’ve seen folks claim their old Mustang is just for shows, then commute in it every day. Insurance companies catch wind of that and start slapping on restrictions for everyone. Doesn’t seem fair, but I guess I get why they do it. I have heard of a couple of local agents willing to work out more flexible terms if you’ve got a clean record and can prove you’re not pushing your luck. It’s rare though. Most of the big names just don’t want the hassle.
I have heard of a couple of local agents willing to work out more flexible terms if you’ve got a clean record and can prove you’re not pushing your luck. It’s rare though.
That’s the thing—“clean record” is a moving target, right? I had one fender bender a few years back (not even my fault, but try telling that to the adjuster), and now it feels like I’m on some kind of watchlist. I keep asking myself, do they really think I’m gonna turn my ‘03 Camry into a street racer at my age? I get why they’re cautious, but it seems like the minute you hit 65, they just assume you’re either joyriding or about to forget where you parked.
Has anyone actually managed to get one of those flexible deals after a minor accident? Or is that just for folks with spotless records and cars that never leave the garage? I’m all for being practical, but paying double just because I want to drive to the grocery store twice a week seems a bit much. Maybe I should start biking... but then I’d probably need insurance for that too.
