Here are some of the hoops you will have to jump through, just so you are prepared. First of all, Grundy (an probably Haggerty too) have two different types of insurance. One is where they insist on insuring all the cars you own, even your daily driver. On that policy they "bundle". The second one is for collector cars only, and those can be classic cars, hot rods, customs, etc. On that policy they will only insure your collector cars and you can do one or as many collector cars as you own.
Next, they want you to have a secure storage place for the car, and that means a locked garaged. No carports, backyard, etc. They want pictures from all angles, front, back, side, 3/4 view, motor, interior, and sometimes a picture of the car in the garage where it is kept. Their insurance is considered "agreed value" and that means you say your car is worth $25,000 and they will look over the pictures and if they feel that is right they will "agree" to that value. If the car is stolen or totalled, you get a check for the agreed value.
Generally, Grundy is cheaper than Haggerty. I have my 27 insured through Grundy for $25,000 agreed value and I pay $170.00 a year. My Son Don has Haggerty on his T bucket also with $ 25,000 value and he pays $ 300 a year. I just got my Son Dan a quote on his rpu and for $ 50,000 value the coverage is $ 306.00 per year.
All the collector car insurers have pretty much the same restrictions, the car is NOT to be a daily driver or to go to work. It is for OCCASIONAL use only, and that is why their rates are cheaper than say Geico. But in the real world I bet collector cars are sometimes taken to work, out shopping, and other places. You just have to be careful in what you say.
So, those are some of the rules and regulations.
Don
