American Modern, under 600$, 6k miles per year, 35k agreed value based on build sheet and inspection by a local adjuster. I originally had Allstate (2013-2015) underwritten by American Modern). In 2015 when apAllstate stopped offering a daily driving “commuting clause” I switched to AM, which still offers a version of this.
The AM commuting clause allows daily driving- to work, kids stuff, grocery store, date night— 2 days per week, 104 days per year... which in Seattle translates to the sunny driving season & some fall and winter driving as well,
In addition to the commuting clause, the policy also offers the standard club/parade/show/ service unlimited mileage coverage, trip interruption coverage, and pet coverage ( my dog comes with me when we drive up to Canada or Oregon to visit family/ vacations... not sure what the value of this is, but I could not have it removed from the trip interruption clauses to reduce cost).
i did check with Grundy and Hagerty and neither offered a commuting clause. They said I could use it for whatever I wanted, but did not want to put it in writing. Their written policy was specific about limiting coverage to club events/parade/show/ service limit/test driving., and specifically called out that driving to work/ stores/ etc was not covered.... this scared me since I do use my car to go to work/ pick up kids from school/ grocery runs.
Surprisingly, the agency’ i work with is in Cincinnati not Seattle. When I called American Modern back in 2015, they connected me with them ( because back then they did not have local offices in WA since Allstate represented them). I have been using them with awesome results and customer support since.
I did check about bumping the agreed value to 40k this year... that would raise the cost to 740$, and require an additional inspection and new set of mixtures by a local adjuster. based on recent increase in values they were happy to bump the coverage up if I wanted to... which I ended up not doing.