A big advantage of using a classic car insurance carrier such as Hagerty is the way they handle claims.. My experience with Hagerty is that they use independent brokers and they seem to be more sensitive and flexible in addressing issues. State Farm like other national carriers are more concerned about the bottom line $. If U have a good SF agent then maybe one has better odds, but my experience with SF has not been positive in settling claims. Finally I did get them settled but took longer, and stronger efforts even though their guy was @ fault.....

Just my $0.02...