I use berkley classics, I used to have hagerty, but they wouldn't insure one of my cars because it had NOS on it in the 90's. Even to this day they wouldn't insure this car because it had nos on it all those years ago. So now I have all five of my classic cars with berkley. They are pretty much the same as all the others, but there is no mileage limit and they were a bit cheaper than American Collectors. One thing good about Hagerty is that they will insure a project car where some of the the others won't. Really important if you have over 50K into a car that you can't drive, but could lose in a shop accident.