I half-expected them to ask for a notarized statement from my neighbor confirming I don’t drive the classic to work.
That’s honestly not far off. The hoops they make you jump through are unreal. I get why they want proof you’re not using your classic as a commuter, but it gets a bit ridiculous. I had to send in paperwork for my daily and even show mileage logs once. It’s almost like they’re daring you to give up. Kentucky insurers seem extra strict compared to other states, too... maybe it’s just the market here?
I swear, the first time they asked me for a photo of my odometer with a newspaper in the shot, I thought it was a prank. I get wanting to keep premiums down, but it’s like prepping for a DMV pop quiz every renewal. Maybe Kentucky just likes paperwork more than bourbon...
I swear, the first time they asked me for a photo of my odometer with a newspaper in the shot, I thought it was a prank.
That’s hilarious—I had the same reaction. I remember scrambling around the house looking for an actual newspaper, which felt like hunting for a unicorn. Ended up using one of those free ad papers from the grocery store. Not sure if that counts as “official,” but they took it.
As for switching insurance in Kentucky, I’ve bounced between a couple over the years. Honestly, they all seem to have their own version of paperwork Olympics. One company wanted a video walkaround of my car with me narrating the VIN number... felt like I was auditioning for some weird reality show.
Have you tried any of the smaller local outfits? Sometimes they’re less strict about all these “prove you exist” requirements, but then again, maybe that’s just luck. I do wonder if this is just a Kentucky thing or if other states are just as obsessed with documentation. Anyone else ever get asked for something even weirder than an odometer-newspaper selfie?
Yeah, the newspaper thing threw me too. I ended up using a coupon mailer because it was the only thing with a date on it—worked fine, but I felt ridiculous. Honestly, I’ve found the smaller local agencies a bit easier to deal with, but sometimes they still want all the same proof. One time, I had to fax (yes, fax) a copy of my driver’s license and registration. Thought that tech died out years ago... Guess not in insurance. Kentucky definitely seems extra about this stuff compared to friends in other states.
Honestly, I get where you're coming from, but I’ve actually had the opposite experience with local agencies. The big-name companies, at least in my area, have been way less picky about paperwork. Last time I switched, all they wanted was an emailed photo of my registration and a utility bill—no faxes, no weirdly specific documents. Maybe it just depends on who you get on the phone or which branch you’re dealing with?
The newspaper thing is wild, though. I had to dig through recycling for anything with a date once, and it felt like some sort of scavenger hunt. But I wonder if Kentucky’s just stricter because of fraud or something? I know a couple other states have cracked down lately, but it does feel like we’re stuck in the 90s tech-wise. Curious if anyone’s managed to get through the process without jumping through all those hoops...