Antique car insurance?

I have had Hagerty for about 5 years now, but am thinking of changing.
My Barracuda is sitting in the garage for several years now, waiting to be restored, started at only $50/year, but the past 2 years has now jumped to $127/year. And I'm not even using it right now! Looking at American Collectors.
But, they all say, locked garage. Besides getting it broken into at your house or stolen from your house, how do they know if the car is in a locked garage.
I met someone several weeks ago that has many antique cars but has no garage, and has them all under classic insurance.