Daily Driver Insurance

I'm using the '66 as a daily driver and means USAA will only give me liability coverage. I called a "Classic Car" Insurance company that came highly recommended by USAA but they would only let me drive "to and from shows, or other hobby events".

This didn't bother me so much in Hungary where I only drove 7km to work every day (and everyone else drove Trabants), but here in the "land of long commutes and SUVs" I've become a little more worried about it.

So for those who daily drive their classics, what do you do for insurance?

Did USAA give you a reason why they'll only give you liability? I'm pretty sure my insurance (the "good neighbour" one) will write full coverage on something like your car - they've done it for me for several 1970s vehicles.

And yes, classic policies have pretty strict usage limits.

As far as I know all classic car insurance policies are meant for pleasure use only - some will say they allow 'occasional' drives to work but that is kind of murky.

Most regular insurance policies will assume a car that old has minimum value, so will only offer liability coverage. You may be able to find someone who will offer an agreed value policy. I'd suggest talking to a local insurance broker who's not tied to a single company to see if they can find something that will work.

"agreed value" is the language you are looking for. Classic insurance gets away with charging very little by restricting use.

On one of Dennis "moustache guy"'s car show, he had the Grundy guy on who has three tiers of insurance now. They will insure a classic for daily use.

Well, I tried "Grundy" they shot back with "MVP requires a minimum of three vehicles that are categorized in at least two classes, i.e. two classic cars and a daily driver."

I haven't tried an agent with an "agreed upon value" yet, but I think that'll be my next try.

USAA did say they technically could offer full coverage, but at a value of about $1500 for the vehicle.

Are you just using a website calculator or are you actually calling an agent at Grundy? What you are asking for is somewhat not normal, so you may actually have to talk to a person to explain what you want. Just be aware the cost will likely be in line with what you would pay at a normal insurance company.

I went to their website. Since it fit what I ran into with the other insurance company I didn't pursue it further.

I'll give them a call early next week see what the rep says.

You need to call them not use the website. Mercury was able to insure me when I was DD'ing the 356, and my 67 mustang.

They would not do it for my 28 roadster but I just bought a extended mileage policy which allowed for a few days a week to work.

I have my '83 Alfa and my '80 Maserati insured as regular cars with regular insurance. (State farm). Because they are my second and third car the insurance isn't too expensive, they are fully covered, and I can drive them as much as I want. It is not as cheap as getting "classic car" insurance, but there are few restrictions.

the only problem I see is you need to make sure how much SF will value those … if (god forbid) you're ever in a crash and your collision needs to kick in … you might find out that the "totaled" threshold is pretty low

Chubb Insurance is worth a shot–they don't have mileage limits, anyway.

Hungary Bill wrote: I'm using the '66 as a daily driver and means USAA will only give me liability coverage....

That's a bit strange, you may want to re-confirm that. I have USAA and I insure a 64 and a 65 both with collision (the price difference is not that much).

Of course, maybe I should re-confirm mine. But I am pretty sure I went to collision after an accident many years ago when the agent explained the cost difference was pretty small.

I believe USAA has the classic insurance also, but the restrictions don't work for me either.

You call AAA? They do some of my older cars and are a pretty good price.