NCM on my 2023 is $722 for 1,000 mi and $100,000 stated value.  Since my '73 is currently not driveable, it's just insured at the minimum KS req't.  Hope I never have to use the coverage.

I hope that none of the members of this site ever have to experience the level of customer service of their automobile insurance simply because it means that something bad happened. In reference to proper insurance on your vehicle, the most important thing is that you want to make sure that you have an "Agreed Value" policy and not a "Stated Value" policy.  There is a considerable difference between the two and the event of a total loss and the stated value policy is not in your favor. When comparing costs between insurance companies, you have to compare apps to apples to determine who is actually cheaper. A true, apples to apples comparison. From there you can decide, like the OP did here, that a little bit less coverage is satisfactory to your needs and that brings some cost savings. In my opinion, what should be done is that you will apply the less coverage to both companies and see who provides the bigger discount for the lesser coverage. Another recommendation is that you read the fine print on the policy for each of the companies. As some have stated here they have a mileage restriction. Some policies have a storage restriction. Some policies have other exclusions that may not be to your liking. You definitely want to make sure that you are comfortable with the coverage being provided. Sometimes paying a little bit more has significant benefits in coverage. Sometimes shopping strictly by price brings great disappointment at the time of the loss. That could be either a partial loss or a total loss. With 39+ years as a licensed appraiser, and now strictly catering to classic cars or cars of interest (rather than daily drivers), I can state with a great deal of confidence that it is very important to fully understand your coverage and restrictions at the time that you sign your name to the policy application. Feel free to reach out with any questions, whether it be here in this thread or privately. I'm always happy to help.

I've had American Modern for quite a few yrs now on 3 classics for an agreed value of $115000.00 total for under $700.00 per yr.  But I have them in a alarmed garage with sprinklers & cameras.  I never get to the 3k limit per yr.  Never collected a penny and hope I never have to.