Everything is dependent on miles driven per year, agreed value, and has to be in a secured garage or storage. Im with Heacock, 1000 miles max per year, at $67000 agreed value for $380/yr and 500,000 liability. With my umbrella insurance, I had to get 500K liability. Had Heacock for about 20yrs with no claims. I have tried online shopping about 2 yrs ago with other companies and they were more $$$. So I stayed with Heacock.