What about driving limitations? Being in the Army for 26 years, I have always had USAA insurance. They don't do classic car/truck insurance. Actually, they will/do insure my 58 Suburban but only up to what I assume is the KBB value of about $850. They did refer me to an "affiliate" company that does agreed value coverage. I honestly don't remember the name of the company. When I spoke to them they were more than happy to insure my truck at the $9000 that I've invested in it without even getting an appraisal. Then they asked if it was in a locked garage. I thought that was odd. They then proceeded to tell me that I couldn't drive it to work. Turns out all I could do was either drive it to a repair shop or to "an occasional car show." Seems like the insurance was designed for Jay Leno who has a secure garage full of beautifully restored cars that only get driven once in a blue moon. I decided not to go with them and still only have the basic liability on my truck.
Anyway, does Hagerty have similar limitations? Did I ask for the wrong kind of policy?? I want to be able to drive my truck when I want and where I want. I also want to get more than $850 out of it in case some knucklehead crushes me at some point.
