For an antique/classic/collector car, use the collector car insurance, not standard car insurance. For one thing, the adjusters they use know of value guides other than the Kelley Blue Book. They also have a better understanding of non-standard cars. I don't have collision on mine, but I do have comprehensive so if a tree falls on it, or a tornado comes and drops the building on it, or if the building burns down, it is covered by stated value insurance. I have 4 cars for a total of $20,000 value, with $300,000 limit and it costs me a total of $122 a year. I have had a tornado drop a building on one of mine, and there was no arguement. Now my daily driver that was sitting in the same garage, well, I no longer have State Farm. They had both the house and the regular cars at the time. Grundy had my antiques. An umbrella is an umbrella, no matter what your underlying policy is, as long as you have high enough limit on the underlying to meet the needs of the Umbrella. On a specific antique policy, the collision is not that expensive, either. I have driven antiques to shows all over the country, and never had a problem. What you don't want to do is get caught driving it to work every day. ----------------- http://www.imperialclub.com ----------------- This message was sent to you by the Imperial Mailing List. Please reply to mailing-list@xxxxxxxxxxxxxxxx and your response will be shared with everyone. Private messages (and attachments) for the Administrators should be sent to webmaster@xxxxxxxxxxxxxxxx To UN-SUBSCRIBE, go to http://imperialclub.com/unsubscribe.htm