I did mine online no problems. Wonder why? I have full coverage, 100 mile towing can use the car whenever except for business, 3k in spare parts around $160 a year.
I don't know how you pulled that one off, I got a quote from them, and was told I could only drive it in parades, to car shows etc. If I wanted to go on a Sunday afternoon cruise, nope, no way I could do that.