I get where you’re coming from, but I’ve had the opposite experience with my ‘68 Charger. My cousin borrowed it for a couple weeks while his was in th...
I hear you on the “don’t just assume you need it” angle, but I’ll admit, I’m a little more cautious after what happened to me a couple years back. Ren...
Mileage caps always felt like a buzzkill to me. I get why they exist—keeps the risk down for the insurer—but what’s the point of owning a classic if y...
Yeah, I’ve seen insurance nitpick over the tiniest things—once had a claim delayed for weeks because of a missing radio knob. It’s like they’re just w...
It’s honestly a gut punch when you’ve babied your car and they just see it as another used vehicle. I’ve had to fight tooth and nail with adjusters ov...
I get where you’re coming from. I used to think those extras were just a money grab, but after my ‘72 Chevelle left me stranded on a backroad last sum...
I hear you on the peace of mind, but I’ll admit, I’ve dropped comp on a couple of my older rides. For anything worth less than a few grand, the math j...
You nailed it—actual cash value can really sting when it comes time to file a claim. I learned that the hard way with my old Mustang’s paint job after...
You nailed it—those “minor updates” are always where they get you. I’ve had similar surprises with my classic car policy, too. One year, they quietly ...
Drives me nuts too. My ‘72 Chevelle’s worth more now than when it rolled off the lot, but try telling an adjuster that. They see “old” and just assume...
I get where you’re coming from, but honestly, I’ve had more issues with digital copies than paper. Once tried to show a cop my insurance on my phone—b...
I get the skepticism about accident forgiveness, especially in NYC. A few years back, I had my '68 Mustang parked on a side street in Brooklyn—thought...
Totally agree with this. I've got a '68 Camaro, and while USAA was decent for my daily driver, they couldn't touch the rates I got from specialty clas...
Had a similar experience with State Farm a couple years back when someone dinged my '68 Mustang at a car show (still hurts to think about it...). They...
I get your point about cheaper insurers sometimes outsourcing claims, but honestly, I've had mixed experiences even with pricier companies. A few year...