I was with American family for years on my collector cars. The policies were issued as Agreed value with them doing the appraisals (1994). Recently I became aware that they had changed to "stated" value somewhere along the line. While the premiums were cheap, they would not reinstate the Agreed coverage. Jumped over to Hagerty as I have been involved with doing several estimate's for them and have friends who suffered losses. No questions asked, they just cut the checks. State Farm ? Run like h-ll
So in my experiences, Hagerty