Classic Car Insurance Hagerty vs Grundy

Dartnut said
My car is insured with Hagerty.
I get the 5 year safe driver/loyalty benefit and it costs me a little over $200 a year.
The restrictions are:
Under 500 miles per year
Pleasure use only
Stored in the winters in a locked approved by them garage
The car must remain reasonably stock appearing, such as no roll cages or headers etc.

I actually posted a link to my build thread on here to prove how the car was built and it remains very close to the original build thread to this day............

Click on the link at the bottom of my post if you would like to look at it.

Hagerty last year also included a free membership to Motor Trend On Demand for the full year as well as discounts from certain parts suppliers.
And a free magazine in the mail.

I'm certainly getting my money's worth from them...........

I spoke with a Hagerty rep on the phone. I asked about a discount or being able to suspend coverage in the winter months as in Indiana I will not be driving the car and it will be in locked storage from December to April. The rep told me they do not offer suspended coverage and there is no discount for not driving the car in the winter. I mentioned Autocross and he also told me Hagerty would not insure the car if it was involved in Autocross. I had him speak with someone to verify that and he came back with the car would not be covered while on an Autocross track. That is what I expected.
Wonder if it would be better to try and find a local Hagerty Agent and not deal with someone who works out of the Corp office?