Hagerty, 25k value $232 a year(my car needs to be restored still looks 44 years old) 3k+ miles which really don't matter they never ask or check, even told them I swapped motors to the 440 and they said no worries get a few extras but not anything to brag about. State farm was double that. Guess it all depends on real time events, if they take care of you or not? out of all of them I have heard Hagerty acts quickly and leans towards protecting you and giving you your agreed upon value very quickly. Hard to guess who is going to be the best value, you will only know if when something catastrophic happens then you will see first hand if that cheaper company was worth it or not. Insurance is legal robbery anyway lol