When I had my Classic cars, the insurance was very cheap compared to the coverage I got. To get that very cheap rate I had to show that I had another vehicle, insured by another company, to be used as my daily driver. I believe that I had to have two OTHER vehicles since my wife and I were both licensed drivers. Basically I had no mileage limits for my Classics but they also did not want me driving them every day. Standard coverage was zero deductible and agreed upon coverage of well over $100K on some of my cars. I could see their point because repairing a classic can be very expensive. My choice and I could have paid more from a standard insurance company and used a classic for my daily driver. I wonder what they would have considered to be the depreciated value of my 1957 Chevy convertible if it was totaled? I believe the new, from the factory price, was around $2500. :B
