I wasn't aware of yearly vs permanent Antique tags. Apparently my DMV office isn't either! Not surprising since they can't even issue them. I doubt LEO is any better informed about the different antique/Horseless Carriage tags than the DMV so I'm not going to worry about it.
I didn't know about the permanent versus annual antique tags either till I got looking in to tags for my non-military semi truck. Because it is over 5,000 pounds I found out the hard way that I was not allowed to get the cheaper permanent plates and was stuck with paying the same rate as a commercial truck based on overall weight. As far as your local DMV they should be able to do the annual antique tag. It's the permanent one that should need to be mailed.
FWIW I got my insurance through NationWide. The USAA and the collector car insurance companies wouldn't even insure me since I don't keep it permanently locked away in a sealed building! NW was also cheaper than the collector companies! $101/yr for PIP/Lib and $10,000 stated value and no restrictions. They did ask how much I planned to drive it and I said 1000 miles/year but he said it wasn't important.
I forgot all about Nationwide. Used to have them years ago. Had first switched over to them back in 1999 during my wife's first tour at Elmendorf AFB, AK. After that tour she was transferred to Virginia for 4 years and when she was given a second tour back to Elmendorf in 2006 we had to find a new company as Nationwide had pulled out of Alaska by then and would not transfer our policy. Went with USAA for our regular vehicles at the time as they told me I could get coverage for my semi trucks on a non-commercial policy too (Gulfway does not cover Alaska). Later on when I went to add the semi truck I found out that what USAA had told me wasn't quite correct. Due to the trucks weight I would have to go with a non-commercial commercial truck policy underwritten by Progressive. I called Progressive directly and got a quote that was about 60% of what USAA wanted. The problem now is now that we are in Florida I went to transfer over my Progressive policy to a Florida account only to find out that Progressive does not cover semi trucks in Florida. To add insult to injury while in Alaska I asked USAA about RV coverage (I am converting my semi to an RV) and was given a pretty good quote. So when I found out Progressive was dropping me I called USAA about getting the RV policy only to find out they have pulled out of the RV market. Guess it's time to check with Nationwide and Gulfway.
PS I did have to remind the woman in my DMV office that mine was a military vehicle and as such there is no weight limit. She had forgotten that and wasn't going to process my registration the way that I wanted. But once I reminded her there was no problem.
You are correct, there is no weight limit with the antique tag but that's only for the permanent plate. And the only way to get that for a truck over 5,000 pounds is if it's ex-military or ex-fire department and is painted up in it's proper trim as a tribute to those two departments. You can get annual antique tags for a military truck to allow it to be used how ever you want but you will have to pay the same weight class fees as a commercial truck. My problem is I have an antique truck but because it isn't ex-military I can not get a permanent antique plate at all because it is over 5,000 pounds. I'm stuck paying the same weight fees as a commercial semi even though I am not for hire. That's why I am going for the RV conversion.
Ruppster