I also have insurance with Hagerty for my Bronco and a 48 Anglia pro street. They are both agreed value. No questions asked, even on my Anglia which is really a full blown drag car. I think what you have to look at is insurance performance, how they react to a claim. God forbid anything would happen, but I would feel more comfortable with a well know company. All of my other insurance is with Nationwide, which Hagerty is affiliated with. They are as high or higher, but I have had zero issues with Nationwide. Just my two cents worth.