Tim, I need to recheck my policy but I do not remember anything about having another car. I'm good to drive it anytime but not as "my daily driver" or I guess you could say to work and back!
I think our experiences will ALL be a little different. State Farm, some time ago, required me to get an appraisal which I got from a local shop they approved to do it. I also have a non cancelable policy with SF AND they CLAIM I am getting a 15% discount because I have been with them for so long....over 40 years. I've kept them honest for years but am now finding each year that I can do just as good elsewhere. I check them each year!
In the end I had 4 vehicles my house and shop all with SF. Still to high. (Maybe its my ZIPCODE, ya'll do know about, OR my credit score. Neither of which they readily own up to. (My nephew worked for them for many years)
One, maybe J.C. Taylor would NOT insure my 37 because it was "modified" with a V8 but that was a couple years ago. In the end, what I was paying for my 37 with SF I insured BOTH my panel and 37 for less than the 37 alone..... and same coverages. Apples to Apples. Well, I think Grundy had a little something more than SF.
When shopping for insurance NEVER let them know who you are with at the beginning, and have numbers for what you are currently covered for written down and ask for the SAME coverage. Most insurance companies do a great shell game.
....and as so often is recommended, pick up the phone or drop by in person.
