I'm considering putting my 92 on the road for the summer but as a daily. I figure it's worth 10-12K but assume if damaged or written off my ins will give me peanuts.

I currently insure my house and winter beater with the same outfit for discount. I'm on the fence about collision but mostly concerned with getting a fair compensation if hit.

My 2009 beater is $900 without collision and has a book value between 4-5K. I assume my 92 will be similarly priced. Will going out for an appraisal be good enough, or even needed. I'd be surprised if I put on 10K kms per year with whatever I'm driving.

Can I do better, if so where?