I've had their coverage for years and have been satisfied with their rates, but I'm probably like most people and have never made a claim so I can't say anything about how well they respond if you have an accident.
Have you checked “cl***ic car” through the AAA. I’ve had them 13 years and they very affordable. They do recommend 2000 miles a year which about 1/2 of what I drive.
I’ve used them for a while with no real issues. Claims process was smooth the one time I needed it, but I’d still read the fine print on usage limits. NMG Ceramic Coating
Had them for well over 15 years. They came thru on two cars after a natural disaster. They were insured for agreed value. Both cars were totaled and they paid out 100% with no questions.
How good any insurance company currently is depends on the firsthand experience of folks who have recently had to settle a claim. Customers who I haul for have been satisfied with Hagerty over the years. Jim