When I checked out Farm Bureau last year, I had to specifically ask about towing limits—they weren't exactly hiding it, but it wasn't front and center either. Customization-wise, they seemed pretty open to tweaking things for my older Jeep, but mileage restrictions were definitely a thing. I think it was around 5k miles per year for their classic policy... might be worth double-checking if you plan road trips or longer weekend drives.
Had a similar experience with Farm Bureau a couple years back when I was looking into coverage for my old Mustang. They were pretty flexible about customizing the policy, but yeah, mileage limits were definitely a sticking point. Makes me wonder—are those mileage caps strictly enforced? Like, do they actually check your odometer regularly or is it more of an honor system thing? Always felt a bit skeptical about how practical those restrictions really are...
Had the same skepticism myself when I was shopping around for my '68 Camaro. From what I've seen, mileage caps are usually more of an honor system thing, at least until you have a claim. I've never had an agent randomly show up to peek at my odometer or anything like that. But if something happens and you need to file a claim, that's when they'll likely check your mileage records—and if you're way over, it could get messy.
Honestly, I think these mileage limits are mostly there to keep premiums lower by reducing risk. Classic car insurers assume you're not daily-driving your vintage ride, so they price accordingly. But practically speaking, it's not like they're policing your weekend cruises or occasional joyrides. Still, I'd be careful about pushing it too far. If you're regularly blowing past the limit, might be worth talking to your agent about bumping up your coverage or finding a policy with higher caps.
I ended up going with State Farm myself because they seemed a bit more relaxed about mileage and had fewer hoops to jump through overall. Not saying they're perfect—I've heard mixed things from other folks—but they've treated me pretty well so far. Farm Bureau was tempting because of their flexibility, but those mileage restrictions just felt a bit too restrictive for how I use my car.
Bottom line, I wouldn't stress too much about the mileage enforcement day-to-day, but I'd definitely keep track of it just in case. Better safe than sorry if something does happen.
I went through a similar dilemma when insuring my Porsche 911. State Farm was pretty tempting because, like you said, they seem more laid-back about mileage. But honestly, Farm Bureau's customer service and claims handling reputation swayed me in the end. Mileage caps can be annoying, sure, but they're usually pretty reasonable if you're not daily-driving your classic or luxury ride. And like you mentioned, it's mostly honor system anyway—no one's gonna parachute into your driveway to check your odometer, lol.
That said, if you're regularly pushing the mileage limit, I'd definitely consider bumping up your coverage. I did that myself after realizing how often I was taking weekend road trips. It's a small price to pay for peace of mind, especially if something unexpected happens. Either way, both companies have their pros and cons...just depends on your priorities.
"Mileage caps can be annoying, sure, but they're usually pretty reasonable if you're not daily-driving your classic or luxury ride."
Fair point, but honestly, mileage caps always make me a little skeptical...like, what if I suddenly decide on a spontaneous road trip or family visit? I went with State Farm for our SUV mainly because their flexibility felt reassuring. Haven't had to file a claim yet though, so can't speak to that side. Guess it really boils down to how much you trust yourself to stick to the limits, lol.
