I'll more than likely go with Hagerdy insurance but I just want to make sure I find out all the catches that there is with this type of insurance. My car isn't my DD, but I would like to be able to drive it to work/school once or twice a week.
If you're talking about driving it to school, you're probably a few years from qualifying for collector's insurance.
No they don't.
When we first applied, they refused and asked the agent to look at the odometer of my convertible. A year later, we reapplied and showed the car to the agent a second time and he noted that we had only driven it about 1500 miles. Since then, we've had no problem adding cars and we've never had to demonstrate our mileage since that time.
I would assume that, if I had an accident, they would want the current mileage and would calculate how many miles I had averaged a year since the policy went into effect.
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