Insurance companies love to take money, hate to pay money. But I use State Farm. They partner with Hagerty to leverage for lower rates (they claim) and I put 2,000 mile year limit on cars. They have never questioned my valuations. One year I had four claims due to massive storm damage and they settled at Classic values. If you have house or any other coverage discounts kick in. I haven't gotten a competing quote in a few years so premiums might be out of line but seem reasonable.