[Alan Schup]

AllState gives me no grief at all knowing my Cobra is not my primary everyday-to-work vehicle and I do not have a bad driving record. AllState has not placed any limits on coverage for me. My Cobra is insured no different than a production sports car. My Cobra is insured for full replacement cost. All the agent wants is a picture, a parts lists and paint/labor cost (essentually a turn-key pricelist). I tend to think that it is up to the agent whether or not (or at what level) to insure the car for the person's driving habits.

I have not had any experience with other insurance companies, and would change insurance companies if I were treated in the ways you describe.