[tirwin]

11and14 and Eclectic911, that's good to know. I have checked with other insurance companies in the past. I found a couple of things.

1) current insurer (Leland West) was cheaper and generally gave me less stipulations so I felt like it was a good deal.

2) apparently several insurers use the same underwriter - American Modern Home. That makes me wonder how the underwriting process really works. Why would Company A be unwilling to do my number for agreed value and Company B would if they are using the same underwriter?

SCadaddle,

There are some specific rules for collector car policies -- can't be a daily driver, must have 1 other primary vehicle for every licensed driver on the policy, the primary vehicle coverage must be through a 'regular' insurer, have to match the same coverages as on the primary vehicles, must be kept in an enclosed garage, some may limit annual mileage, etc. If you meet the requirements then I have found the collector car policies to be much better coverage and significantly cheaper than regular insurance.