My '71 came with an appraisal from the PO that was done after the car was finished in 2006, it cost him $125.

I currently have mine thru Grundy, they wanted 2 pics of each car and stated value, no appraisal needed. We went with what the appraisal said on the '71 (because I had it) and on the '90 took a best guess. I pay $320 for the ‘71 and $243 for the ‘90.

I've heard mixed feelings on Grundy and thankfully haven't had a claim.

Take a look at NCM Insurance via Adam Boca, they also have a nice online calculator (don't need to talk to anyone). They will just send you one email after you do the calculator and don't hassle you at all. I'll probably go with NCM next year.

Link to NCM Insurance below, Click on “Get a Free Quote!” button on the right, no need to call them.

http://www.ncminsurance.com/

John

So I spoke with my agent today about Hagerty (or other collector car insurance) and he advised against it based on the way I drive my car.  For example, he said it probably would not cover driving it to work (at least not on a regular basis which I do like to do in the summer), running general errands around town, etc.  Do you guys that have Hagerty have other information to the contrary?  I just browsed around their website and the info on there seemed to support what my agent was saying, but it wasn't real specific.  I will probably call them and talk with one of their agents to get more specific info, just wanted to get y'all's take on it as well.  I would hate to have it get smashed in the grocery store parking lot and then be denied coverage.  

I had spoken to one of the "collector" insurance companies at one point, and they also said I couldn't drive my car to work.  That put an end to the conversation and I stuck with State Farm

ANY collector car insurance will specify that the vehicle cannot be used as "everyday" transportation. Most limit the miles per year you can drive, anyway. You can't use the car to go to, say, Wally World, and park in the parking lot there, and leave the car unattended. If it gets scratched/hit/stolen, tough nookies...it's all on YOU at that point. You CAN stop at a place like that, but the car HAS to be attended to by the owner, or a representative of the owner...preferably NOT your 5 year old.
You can drive the car to have work done, club functions, parades, shows, etc., and stuff like that, but they really want to limit the exposure to damage, so taking a weekend drive just for fun might be covered, and might not, depending on where you go, and the reason. With my policy, if we take BOTH cars, it is considered a "caravan/parade/function/event", and we can go anywhere....sneaky, eh?
Basically, if you drive your car quite a bit, the collector insurance is prolly not right for you.

Yep, Collector's insurance is not for me.  I like driving my car and the way my life is right now, many of the chances I get involve the course of daily events like work and running errands (I'm getting good at finding way out of the way parking spots, though).  So I'll stick with trusty Safeco.  Thanks for the input on this one guys.  I know a little bit more about how insurance works for old cars now through this exchange and my agent.