[JRSully]

A Little FYI as I am in the insurance biz, and do a fair amount of antique coverage. Don't just accept what premium bill shows up in the mail, contact your broker or company directly and tell them it is being "shopped" and is the # you have on your bill the best they can do, Hagerty gave one of my clients a 40% rate DECREASE over last year, the collection was shopped to 5 other carriers, nobody has come close to the number, you should have at least 3-5 competing quotes to get a feel for the marketplace. I do business with other carriers as well, Hagerty is not always the best, but they were for this client. Have your broker shop your policy around or if your doing it yourself, ditto.