I looked into specialty coverage briefly when I thought about daily-driving my old Mustang... quickly realized insurers don't share my enthusiasm for vintage commutes, lol. But hey, maybe your mileage (literally) will vary. Worth a shot!
Haha, insurers definitely aren't fans of classic daily drivers... learned that the hard way myself. Did you check if they'd budge at all on mileage limits? When I tried insuring my old Camaro, they practically laughed me off the phone unless I promised to drive it only on sunny Sundays. Maybe there's a sweet spot for vintage cars between "garage queen" and "daily beater" status... but I haven't found it yet.
I ran into the same issue when I tried insuring my dad's old Mustang. They were pretty rigid about mileage limits, even after I explained it wasn't exactly a showpiece—just a fun weekend cruiser. Eventually, I found that tweaking my policy details (like adding a defensive driving course discount and bundling with our family SUV) softened their stance a bit. Still not ideal, but at least they stopped treating me like I was planning to daily-drive a museum piece...
Had a similar experience with my old Jeep Wrangler. Insurance kept acting like I was secretly commuting cross-country in it, even though the thing barely left the driveway most weeks. Funny enough, once I mentioned I'd taken a defensive driving course (mostly to humor my wife after a minor fender-bender), they suddenly relaxed a bit. Makes me wonder—do they actually think we're all secretly racing these classics around town, or what?
Had a similar run-in with my insurance a while back. Had an old Volvo wagon—definitely not a speed demon—but they acted like I was secretly drifting it around corners at midnight. Mentioned the defensive driving course I took after my daughter got her license (figured I'd set a good example), and suddenly they chilled out. Makes me wonder if insurers just assume we're all closet street racers until proven otherwise...
