Another Hagerty customer. I've had $40K of agreed value full coverage insurance on two vehicles for a bit over 10 years. Cost has been about $400 annually. No claims. Last year I added a driver project '64 CJ5 to the policy, agreed value, $3,000.00. Cost, additional $100. Not bad for full coverage.
On the Jeep, I did not take advantage of Hagerty's Cherished Vehicle option (price was $5.00 extra as I recall). This would allow me to keep the Jeep if it was totaled. I'll likely add the rider on next renewal.
RonR