A solution arrived at, I might add, after much research and deliberation. Insuring a car as an antique is a third the cost of regular insurance, but driving privileges are limited. The car can be used in parades, shows, and cruises, driven to and from the repair shop, and test-driven to get ready for a show. But not to transport passengers or goods.
That basically means that the car can't be used for commuting or errands. Otherwise, it's a bit of a gray area. A car that's not winterized has to be driven a bit on a regular basis or lots of things will start to go very wrong. (Don't ask me how I know that.) So a twice-weekly spin could be called "test-driving." And stopping at Starbucks for a coffee on the way home from an event, or even for a gallon of milk, should be allowed.
Another option--even cheaper than antique insurance, is collector car insurance. I obtained a quote for it online, and got prematurely excited. It was only a third of the cost of antique insurance. Car owners can deal directly with these collector car companies, if they don't want to use an independent agent, so I decided to call myself. No voice mail--just a rather snooty-sounding lady picking up the phone. One of the first things she asked me was if I had another car registered in my name.
No, I said. Well then, we can't insure you, she replied. You are not allowed to drive your collector car to work or to the store. But, I answered, I have the use of another car, except it's not registered to me. I suppose, though, that I could have it put in my name, if that's what it would take.
Even then we wouldn't insure you, said Snooty. Not now that I know your situation. What if the real owner wanted to drive it? Then you'd be tempted to drive your collector car.
I was beginning to realize that becoming a client of this company was like getting into a country club, except that even country clubs are not like country clubs any more. I thanked Snooty for her time and hung up. And just as well. Turns out her next question would've been, do you have a locked garage in which to keep your collector car? And I don't.
So I opted to go the antique route, and we'll see what happens. It might turn out to be another adventure. I am a card-carrying member of the Veteran Motor Car Club of America, and who knows? Maybe next spring we'll start making some new friends our own age.