Originally Posted by 75gmck25
Since I'm paying regular insurance rates on the truck and I only carry liability insurance, my insurance company has no heartburn with antique plates. I'm sure it also helps that its the third vehicle on a policy with only two drivers.
However, if I tried to insure it with a specialty company as an antique vehicle to keep cost down, they usually have very specific restrictions. For example, one company I checked would have required me to certify the vehicle was stored in a garage when not used, and if I used it for anything other than traveling to car shows I would have problems making a claim.
This has been my experience as well. The specialty insurance companies can offer lower rates BECAUSE of the use restrictions.