Kind of fun to read these to see the different experiences people have with companies. I have Hagerty and have found them extra easy to deal with. When I bought my vette last year they insured it as having classic plates. Michigan secretary of state's rule is the vehicle needs to be OVER 25 years old so my car couldnt be registered as a classic until January. Got a note from Hagerty requesting a copy of my classic registration which of course I didnt have. So instead of charging me the difference they offered to switch the insurance to storage for the winter and just call them in the spring to switch back. That was fine with me since the car was already stored for the season. Saved me substantial $$. They even invited me to stop by their offices if I am ever in the area.