Someone I know told about a classic car insurance company known as NCM Insurance (Contact). They swear by them. I currently have Hagerty and have had them for years. Long story short … I called NCM and for the same price (they did not ask what I was paying) I can get four (yes 4) times the replacement cost for my car. Other coverage, towing, etc is the same. Before I made the switch, I wondered you all heard of them or use them. Any comments are welcome.