Insurance for classic cars that are driven often?

[Fitz73Chrgr]

Who do you guys use???

Hagerty and "American Collectors" both told me that driving a classic car 2-3 times a week is excessive and my insurance company (USAA) told me that they'll insure the car for it's original purchase price depreciated through the last 40-something years. 

Who do you "regular driver" guys use for insurance?

[John_Kunkel]

To my knowledge, Hagerty doesn't restrict "how often" you drive, only the annual mileage.

https://www.hagerty.com/articles-videos/ask-hagerty/what-is-limited-use

[crj1968]

I've used Hagerty and American Collectors...right now I am with the latter as they were much cheaper this time around.

American Collectors told me weekend cruising etc was fine...didnt have to be for a car show or parade, etc...

That all said, I have never made a claim with either company so you know, that's where the rubber meets the road.

[histoy]

We insure our collector cars through our regular insurance company...State Farm.    They are all insured with "agreed upon value" based upon the Bill of Sale or an appraisal by a restoration shop.  We have them insured for 50% show/cruise-ins and 50% pleasure driving.  None of our cars exceed 5,000 miles a year.

[71charger_fan]

I switched the Charger from USAA to Grundy this summer. Premium was almost the same but I got liability, comprehensive, collision, and $30k agreed value. With USAA, all I had was liability.