[EC900]

Be sure and maintain photos, and all receipts - every nickel and dime, keep policy up with appreciation values too.
A proactive agent is gold but the fine print (underwriting) is the final say when it comes to payouts, which is why I like to stay away from brokerages when possible that are sales driven and less involved with claim adjusting. You are referred to another rep for that.

For instance - Let’s say the car is stolen and recovered with the specialty engine missing.
A basic replacement book value for a standard 3.0L could be only $10k just to get it back to running condition. It’s good to know and have in writing what they will pay for each component, though the could “total” out the car and payout a flat settlement amount and they keep the title.

Diligence and comparative shopping can be daunting for many reasons and companies know this.
Each has its own little sweetener to attract and retain policyholders and have a low expectation of loyalty to a particular carrier.
It’s not that insurance companies are sharks, but they’re in it for profit not loss.

Collector car insurance…?
Wait until Medicare advantage kicks in.