When you make one a daily driver you will only find companies willing to write 'book value' policies. The reason collector car policies are so cheap is because the vehicles are garage kept and not daily drivers. That's not saying you can't stop at the store for a loaf of bread if you're out for a pleasure drive (allowed in collector car policies) just be sure to tell them you didn't just drive it to the store if you have a claim. Having said that I believe Grundy has a policy class that may work for you.
http://www.grundy.com/
