The Risks of Driving Your Classic Car Daily vs. Limited-use: What’s Covered?

Classic car insurance is designed specifically for collectible vehicles, typically due to their age, rarity or historical value. Unlike standard auto insurance, these policies often offer agreed-value coverage, specialized repair options and flexible usage terms. However, how you use your classic car, whether as a daily driver or for occasional outings, can affect your coverage and premiums.

Daily Use vs. Limited-use: What’s the Difference?

If you drive your classic car regularly, such as commuting or running errands, insurers may consider your vehicle at risk for accidents. Daily use policies may come with higher premiums and stricter requirements, and some classic car insurers may not offer coverage for daily drivers.

Most classic car insurance policies are tailored for vehicles driven on a limited basis, such as weekends, parades or car shows. Limited-use policies typically offer lower premiums and broader coverage for agreed-value, but they may restrict annual mileage.

Risks and Coverage Considerations in Florida

Florida’s unique driving conditions can increase the risks associated with daily driving.

When considering your options, keep in mind:

• Coverage limits: Limited-use policies may not cover claims if you exceed mileage restrictions or use your car for daily commuting.
• Claim settlements: Agreed value coverage is common for limited use, ensuring you receive the full insured value in case of a total loss.
• State requirements: Florida law requires minimum liability coverage, but classic car policies often provide additional protections tailored to collector vehicles.

How Our Team Can Help

At Casual Insurance Group, we work closely with Florida classic car owners to find insurance solutions that fit their driving habits and preservation goals. Our team can explain policy details, compare daily and limited use options, and help you safeguard your investment.

Contact us today to speak with one of our knowledgeable agents.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.