I have had Agreed Value on my RO car with American Collectors since 1985. A few years ago, I got a quote from Hagerty just to check rates and they were about double what I was already paying.

In all of the years that I have had the policy, I have never had a claim with them but dealt with their customer service recently to resolve an issue with the Maryland Motor Vehicle Administration and they were very responsive and took care of it quickly.

Get some other quotes and opinions before you decide.