TxFrog1999 said:I checked Hagerty but it appears they really only want to cover show cars, not daily drivers... but the quote of $94 a year blew my mind! I think I'll call State Farm and USAA when I'm ready and see if I can't come to an agreement on value and milage.
Hey, they give me 10,000 miles a year. Do you think that they think this is just a show car? Hell, the photos they have on file show the car in primer.
Even if you look at rates from your standard car insurance, there is a good chance that they say you drive it under 10k a year to work or school near your home. The agents usually do that because it keeps the rates reasonable, and because there is no way that an insurance carrier can prove your motive for driving the day you were involved in an accident.
I have never had a claim where they questioned the use of the car.