I have had my Dart for 35 years and it was only insured for a brief period when i drove it on the street when I first bought it. I never had insurance on it after that as it has been a race car. My wife was after me for years to get some type of insurance on it because if anything happened to it you would be heart broken and all the years of work and money spent would be gone. she is 100% right. At Carlisle a few years ago Heacock had a booth and offered race car insurance for everything except on track. i finally earlier this year insured my Dart and my D150 as it now has historic plates ( over 25 years old in N.J. ) for less than $500 a year. They were very helpful and great to deal with. Living in N.J. with the highest car insurance rates in the country my D150 alone was over $800 a year now its about a quarter of that. My Dart is insured for $25,000 and my D150 $8,000.