Insurance with Hagerty is cheap IMO. I also just put full stated value coverage on my 95 Cummins Ram pickup. I hardly ever drive it and mainly just local.. They had a hard time figuring its value, but the little girl there and I agreed real easy. Value it at $5000 full coverage and I am happy. Would I sell it for that? no, but I am happy!! Costs me I believe it was $180a yr and not $600!! Local ins. co. gave me ONLY liability and charged stupid for that!!