OK, I tried a couple of the usual. JC Taylor ect. I found so many conflicting rules that a lawyer could argue either way and you know your not going to win. The last straw was when one of them sent my check back and told me they could not insure my pickup because it had been modified.
So, the heck with all of them. I went to State Farm, they sent me to one of their approved appraiser's, Truck appraised for 20K, took form back to them and had insurance to drive anywhere, and any time day or night. So,I pay $280 a year and don't worry.
And, as Tim stated, I to have been in a couple terrible accidents, death included but not my fault, and State Farm stepped up to the plate tremendously and it always helps to deal with the folks you can look straight in the face at. I've been with State Farm for over 40 years.
It also will depend on your discounts as many of you know. I get multi-car,safe driver, and dicount for length of time with them as well as distance to work. I also have the house/shop with them. That said, I have checked other companies, many many of them recently, and NONE of them can beat State Farm on the IDENTICAL coverage...with the exception of maybe the old pickup.... but they are even cheap on it if I want to insure it as an antique.
Everyone'd situation will probably be different. Like I say, do your homework, put it in black and white and them move on....
