Sorry but this might sound like a commercial but it really isnt.
I am the Underwriter for CHROME Specialty Car Insurance
(800-CARBUFF) and I think Uncle Bob makes some very good points in his post and I agree that Hagerty is a very good carrier.
However another thing that you need to watch when purchasing insurance are gaps in coverage.
For example: Let's say you have your daily use vehicles and your homeowners insurnace with company with company A and your specialty vehicles with company B. You may unknowingly be creating a gap in insurance on the specialty vehicle by not having it insured on the policy with your daily use cars.
A good example where this may come ito play is while you are working on a vehicle and you have parts of the specialty car off of the vehicle like the hood, fenders bumper and some other stuff. Your garage gets broken into and the parts not on your specialtycar are stolen. Company B the specialty car company may say that since the parts were not on the car at the time of loss they are not covered by their policy. Company A could say that since the items stolen are part of an automobile that they are not covered by the homeowners policy.
If you had all of your coverage with company A, the coverage would be there because whatever wasnt covered by the auto policy would be covered by the homeowners. Of course this is just one weird example but that stuff happens and you don't want to find out there is no coverage after a loss has occured.
That is why we feel our approach to the specialty car market is better. We are a full service insurance company that carries auto, home, boat, specialty cars, motorcycle, farm and life insurance coverage. And in most states we have a product called Cashback from ANPAC. With this program if you have your autos and homeowner policy with us for three years and are claim free on both, we will give you back 25% of the annual premium you have paid for your auto and home coverage. And we will continue to do that every year as long as you do not have claims. Ask your insurance agent if they can do that!
For more info on our company check out our website at www.anpac.com