Kind of hit this post a little late but you always want to be sure you have an agreed value clause on your policy. Some carriers will not write an agreed value on vehicles that are registered less than 15 years of age. They also sometimes charge more for vehicle less than 15 years of age. With collectible insurance we do not rate by zip code, we leave that up to the daily driver companies to do. We write 99% of the time on an agreed value and have very competitive rates with Infinity & American Modern. If you would like a quote just give me a call or drop me an email. We do not require a regular use vehicle be insured with us. There are some additional problems this can cause you down the road, and will explain individually as it can be a little long.
Glad to help you if we can.
Robbin Terry
Midwest Classic Insurance
888-271-4000
robbin@midwestclassicins.com
Midwest Classic Insurance