OK, I've got an update. MickeyP for the win! I got in touch with American Collectors Insurance and they offer a higher mileage option with stated value collision and towing for what I consider a reasonable price (not as cheap as Grundy, but better coverage than I have now for about $1000 less a year than I was paying). Also, my old policy was just liability, with no other benefits. I really appreciate all the input on this. It's going to save me a good bit of money and, as a guy who just retired in February, every dime counts!
Thanks, everybody!
