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Mike=> Nobody seems to want to insure cars over 20 years old
The 'classic-car' insurers are all quite happy to do this, but it's often hard to win a claim unless the car was in the garage when it was hit. Further, I drive my cars all the time and I live in an area where roads are long, so mileage limits won't work for me.
I've been insuring through Allstate for a dozen years, and I've made several claims, including one total loss, all of which have been fully and quickly covered. It's not the cheapest, of course.
I can't give any advice on the 16-year-old. In your place I'm sure that driving expenses would be entirely the kid's problem, not mine, and any driving s/he did (after extensive training) would be in his/her own car, not mine.
Steven Ayres, Prescott AZ '66 KG1600
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