Agreed value ins. & driving to work?

[Chad-1stGen]

I've seen a ton of threads over the years on classic insurance or agreed upon value based insurance and I know a ton of folks have these types of polices.

However, all of the ones I have looked at always have 100% restriction on driving the vehicle to work but I see plenty of threads where people mention driving their car to work occasionally.

I used to have a "regular" insurance policy on the Camaro and wanted to upgrade to Agreed upon value with all of the $$ I've poured into the car over the past year. However, I also like to drive the car to work occasionally. In the past I probably averaged 20 trips to work a year so a bit over once a month.

Are you guys just gambling on not getting into a wreck if you drive it or is their a policy out there that recognizes pleasure based use might be a trip to work on a beautiful Friday or something?

Since this is an insurance questions I've included the obligatory

[Matt@BOS]

Bryan (Patch) should chime in to help you out with that question. He drives his car to work, in the rain, etc.

I wouldn't worry about it too much. Insurance companies are probably most worried about your car turning into a daily commuter.

Matt

[jy211]

forbid your in a accident but who's to say you were not taking it to the local oil change shop?

[69znc]

All the insurance companies I have dealt with it is not where you are driving it but how many miles per year is the factor that sets the rate. The premium for full replacement, based on a recognized appraisal, goes up quickly from 2000, to 3000 and then to 5000 miles per year.

[Bryan O]

Call Heacock and see what they can do for you. Steve Rupp uses them also.

Heacock knows my car is parked in an underground gated security garage when I drive it to work.

[ClassicCarInsur]

Hi Chad,

I share your concerns as you stated in regards to Classic Car Insurance. But not all companies are so restrictive. I write with Infinity through their Classic Collectibles program. We have our banner on the site. They have an unlimited milage plan. Please give me a call at 877-654-1948 to discuss further, or if you like or you can click on the banner enter the vehicle information & I will send out a quote immediately.

Thanks,
Mark

[214Chevy]

Since I'm a firefighter, when I drive mine 2 work (which is every blue moon), I park it inside the apparatus bay with the firetruck and the ambulance. Sorry, but I wouldn't dare drive mine to an office building and leave it outside unattended. That's just me though, others are far braver than me.

[jeff71]

Look into Heacock Classic they don't have the limitations like some of the others.

[OLDFLM]

Originally Posted by The Patch

Call Heacock and see what they can do for you. Steve Rupp uses them also.

Heacock knows my car is parked in an underground gated security garage when I drive it to work.

I've had Heacock on my car for 4 years now... and all 3 miles so far! LOL

They are great to work with! Agreed coverage is the way to go!

[Roberts68]

I have pondered this too and have a similar situation. My car is woefully undervalued as appraised in '96 so I need to make some mods. My insurance is replacement value based on comparisons. Um, by their opinion... I can see that going horribly wrong fast.

Since my car has not seen the road but once since 97 it slipped under the radar until I looked into it recently in anticipation. Now I am not happy.

I have seen ads on Speed for Grundy or Haggerty but Heacock is a new one to me.