Have you talked with your regular car insurance company? I shopped Hagerty at the Barrett Jackson auction after I got my Vintage Speedster from Greg, checking to see if they could beat the deal I got from my general coverage for vehicles, home, etc. from State Farm. They weren't even close. I also contacted several other companies. For State Farm I needed to provide photos, proof of mileage (annually) and had to agree on an replacement/agreed upon value, based upon that X number of miles driven per year. The difference was substantial. Might be worth a try. After all, you're an existing customer if you use the same company for a number of policies, including umbrella, etc. It's only a phone call. They may even have a recommendation.