[redbird68]

I have been with hagerty for maybe 20 years. very reasonable, dozen cars or so.
i keep values at about 75% or less of what i consider to be true value. i figure odds of a total loss are slim. the only time an agreed value would be applied is theft or total damage estimate in excess of the value. i am very careful when driving and have never had an issue on the road.
what matters the most in selecting insurance company is how they respond to an incident. saving 10-20% in premium is not necessarily the most important factor. i avoid the extras....towing coverage, etc. Never needed it and have a car hauling trailer if i do.
i do not know how the other companies respond, but i had 3 cars damaged in a fire and hagerty came through very well. sent an adjuster to meet me and view the cars, came up with solid repair estimates, wrote me a check. i could then do whatever, whenever i wanted for the repairs.
they will always have my business.
just checked and i have 11 cars, total agreed value of 205k, annual premium $1264