Classic Car Insurance with No Primary Vehicle?

[markchase]

I also have access to good mass transit, and don't really need a car. Every two weeks, I'll borrow my wife's when it's my turn to shop for groceries, or I'll rent a CarShare for an hour or two. Is there any agency that will insure my classic, without forcing me to buy a clunker that will sit in the driveway - and making me pay for annual registration, inspection, and insurance? I'll pay a premium to do so - I just don't want to waste money on something I don't need.

[biningsource]

Classic car insurers want to know that there is at least one vehicle for every licensed driver in the household, other than the classic car itself. Otherwise, they argue, there's the likelihood that one of the drivers will resort to using the classic for routine use. Even if I could "go on my wife's policy", that wouldn't help. We are two drivers, with one vehicle - other than the classic car.

[skylarkbootie]

And since he's driving his wife's car on occasion, I also assume he already is on the policy..... but with classic car insurance, they want to see an every day vehicle per every driver on the policy. a husband and wife with only one regular car won't work.

[biningsource]

shortmort37, there may still be classic car insurance companies that rate by mileage, but I don't know of any (certainly none of the major classic car ins. companies). policing mileage got to be too much of a pain for most companies. plus it's easier to commit odometer fraud on older vehicles.... so classic car insurance companies avoid all of that by simply requiring a regular vehicle per household driver on their regular auto policy.