Marv,
For the benefit of our American friends, I might chime in here to describe how our mutual insurer "Shannon's" works over here. Correct me if I get any of this out of kilter!
Shannon's are a specialist insurer specialising in older cars but you can also link your modern car and even your house to your policy. Basically, they will ensure any car which a bit out of the ordinary on the basis that any such car is more highly cared for, is much less driven and generally does not devalue.
In my case, I have my '66 Grand Prix on club registration here in Victoria (costs about A$140.00 per annum) and that gives Shannons reason to classify my car as a special interest vehicle. They charge me about A$200.00 per annum for full comprehensive insurance to an agreed value of A$19000.00. I pay the first $300.00 of any claim.
For that I get my own choice of repairer and in the case of a write off, I get to keep the wreck and can sell it myself. Plus they cover windscreen damage to the tune of 1 windscreen per year with no contributory payment from me.
Just wondering how that compares to what is available in the US?
Ian
