Collector Car Insurance

[flixbiz]

Did anybody see the guy from Grundy International on My Classic Car? He said that he Grundy could insure this classic 1963 Impala for agreed value of $25K for an annual premium of $175 with no limitations other than age. Unlimited pleasure driving is allowed!
I always worry about my insurance because I know that I'm in for a fight with Geico should my SL need to be replaced (God forbid!) and Kelly Book says it's worth only $9900, and NADA says it's worth $12,600-$15,950.

So here's the hook! I call Grundy and get a quote of $310 to insure my 1986 SL for $20K. That's only about $18/yr. less than I pay Geico. The difference is that with collector car insurance, I'd be allowed to drive the car as much as I want, as long as I never leave it ungaraged or unattended! No errands! No trips to the anyplace that will require that I leave the car parked outside of my garage! Geico referred me to Great American Insurance. Same deal! What a racket!

How are you guys insuring your older SL's. I have a Clifford alarm on mine and I've put only 3K miles on the car in 7 months because I'm very selective about where I drive her. There must be a better way to insure these cars.