[Mr_SpongeWorthy]

I've used Farmer's insurance for years and so far been reasonably happy. I don't keep "collector's" car insurance on my '68 Beetle, but it is insured for a specific "pre-agreed" value. If damaged beyond that amount I will get only the agreed value. If damaged to a lesser degree I get up to the agreed value minus my deductible. I pay normal premiums as I would for any car insured at that same value-range. For me that means about $700 annually. If I want to change the agreed value by a significant amount they require two appraisals. One from a classic vehicle restorer (i.e. a good body shop who is willing to take the time to appraise the car), and one from a dealer. They are willing to basically split the difference between what the restorer says it is worth and what a dealer says the value is. I don't really know if that is standard Farmer's policy or if it is just a friendly local representative (sometimes it is nice living in an "small town").

Not ideal in some ways, but then again it does allow me to drive the car whenever and wherever I want with the knowledge that I'll get at least a good portion of the value of the car in case of disaster.

I just purchased a 912e and will be putting it on a similar plan with the same company come spring. I guess, at least for Farmer's, it doesn't matter much if they are insuring a 2003 Toyota for $10k or a 1968 VW for $10k as long as the policy-holder is paying about the same amount for it either policy.