Who sells "Daily Driver" classic automobile insurance?

[RTMartens]

Haggerty, Grundy, Taylor all exclude daily driver activities such as commuting to work (7 miles RT in my case, less than 2,500 mi/yr) and errand-running. Farmers linked me to Taylor's, so that didn't help either.

Any suggestions? What's killing me is my teenage kids, who never drive my car but the ins co jacks up the rates anyhow.

The vehicle is a 1956 Buick Century with a stated value of $6,000.

Rick

[bkazmer]

if you're using it everyday, it's going to require "regular" insurance - the low cost of collector insurance is based upon low risk exposure

[AlK]

Ted
Sending you a PM

[charlier]

Originally Posted By: RTMartens

Haggerty, Grundy, Taylor all exclude daily driver activities such as commuting to work (7 miles RT in my case, less than 2,500 mi/yr) and errand-running.

Insurance risk studies have shown that certain types of driving activities create increased risks.
Daily commuting to work and errands are two of the biggest risks which is why Classic Insurance excludes them.

Originally Posted By: RTMartens

What's killing me is my teenage kids, who never drive my car but the ins co jacks up the rates anyhow.

Having teenagers in a household is viewed by many auto insurance companies(classic or otherwise) as an increased risk.
Most teenage drivers are a HUGE risk to insure for so many reasons. Even though some teenagers never drive some of their parent's cars
they do have the "opportunity" to do so. That "opportunity" is what the insurance companies look at as well.
Most parents I know do not lock up the keys to their cars or park them in garages behind electrified fences surround by a mine field.
As a result, some teenagers "borrow" the keys and take the car out for an unauthorized ride and get into an accident.

Then there are parents who are looking to save money and would have no problem lying to an insurance company when it comes to
how much or little their teenagers drive their cars. I am not saying the original poster would ever do such a thing but I am sure many parents would.
In those cases, how is an insurance company to know who is telling the truth and who is not?

As far as suggestions go I have a few. If your teenagers are licensed then they should pay their share of the increased auto insurance.
If they have an accident they should be responsible for the deductible cost as well as the increased insurance costs.
After an accident, they go on their own auto policy at whatever the cost. Doing this teaches them the value of money and responsbility.
When one has teenage drivers in the household and they do drive cars owned by their parents the parents REALLY need to evaluate their insurance coverage.
If the teen gets into an accident the other party's lawyer is going to come after Mom & Dad and ALL the family assets.
That type of situation could easily financially destroy a family. State minimum auto insurance and teen drivers are not a good combination unless the parents want to lose everything they have in the event of a serious accident.

Maybe the original poster already is doing these things with their teenagers. If not, it should be seriously considered.

[1948Lincoln]

My insurance company, AAA classic began covering me when I was 19, because of the nature of my vehicles and I had a regular policy, but, my policy allows for 'Pleasure Driving' Which I do a lot of, but, it is split between all of the cars, the question is, that has anyone ever been in an accident under classic car, when they were going to the market, etc.? All, you would have to say that it is a pleasure driving excursion, which it is, because isnt it a pleasure to drive your old car?! LOL! It is a misnomer this whole bunch of crap about younger vs. older drivers. If you are a dangerous driver it does not matter what age you are, old or young, look at all these dumb parents with 20 kids in the back of the car, driving, eating and on the cell phone, they are the most dangerous. .. .... ..

[West Peterson]

Originally Posted By: 1948Lincoln

It is a misnomer this whole bunch of crap about younger vs. older drivers. If you are a dangerous driver it does not matter what age you are.

Damn the statistics, full speed ahead.

[1948Lincoln]

Damn right my friend! Haha!