[RKDinOKC]

Was going to put collector car ins on the 928. But my agent told me what they would give me if it were totalled. Their values are following the current sales close enough decided it wasn't worth the extra to get agreed replacement.

The policies I looked at the limitations were worded weird. You can't used the vehicle as a "daily driver" but you can occasionally drive it to work or errands, occasionally or if your daily driver is being repaired. In the past the collector car agreed value did not include that claus and you could only drive it for strictly pleasure or to and from and at collector events.

Since my standard full coverage policy covered well enough with the Cayenne as my primary vehicle I didn't look too in depth though. Did discover collector car ins was based heavily on replacement value and much more expensive than it used to be.

I am with Farmer's and it helps a bunch not only that both cars and my house is with them, but it seemed to matter that my garage doors are alarmed with my house's monitored alarm. Thought it was silly myself because their is a delay on the overhead door before the alarm is activated, they call to see if the alarm is false, then they call the Police, and the police have an average response time. It all totals to 6 minutes best case from when the door is opened until police arrive. Understand thieves can pull a trailer or hauler up to the garage door. Then open the door, load the car, and be gone in 3 minutes.

I have a dead bolt on my overhead door that works manually from the inside, or off the garage door opener. They are $100. To get my car they would have to be smart enough to go thru a window in the house, then unbolt the door then open and load the car up. I hope the extra time to go thru a window would add enough time that it would be too close to getting caught for theifs to get away.

Know a guy that his car alarm went of two nights in a row. The third morning his car was gone. And it was just a Cavalier? If they want it bad enough, they will figure something out.