Mileage actually does matter with a lot of the bigger insurers, but you’re right—it’s not always clear how much it’ll save you unless you really dig in. Some companies will let you declare “pleasure use” or low annual mileage, especially if you’re not commuting, but they don’t always advertise it. I’ve seen folks get asked for odometer readings or even have to sign something saying they won’t drive over a certain number of miles per year. It’s a bit of a hassle, but sometimes worth it.
That six-month renewal thing drives me nuts too. Most companies don’t automatically drop your rate when tickets fall off—they just hope you don’t notice. It’s pretty standard, unfortunately. There are a couple that claim to do automatic reviews, but in practice, calling in and asking for a re-quote is usually the only way to get what you deserve.
Bundling is hit or miss with classics. Specialty insurers like Hagerty or Grundy usually don’t bundle with regular auto policies from the big names, so you might miss out on multi-policy discounts. But honestly, the coverage and agreed value stuff with those specialty guys is usually better for classics anyway. I’d stick with them unless your regular insurer has a classic car program that actually knows what they’re doing.
Negotiating? There’s a little wiggle room, but yeah, most of it’s set by algorithms now. Still, talking to an actual person can sometimes get you a manual review or at least point out discounts you didn’t know about. It’s not totally shouting into the void... just feels like it half the time.
Yeah, I hear you on the six-month renewal thing—it’s like they’re hoping we’ll just forget about old tickets dropping off. I had to call in last year after my speeding ticket finally aged out, and sure enough, they “found” a better rate. It’s a pain, but sometimes you really do have to push for it. Mileage discounts are another one... I drive way less now that I work from home, but unless I bring it up, nobody mentions it. Feels like you’ve got to be your own advocate with these companies. Hang in there—it’s not just you getting the runaround.
