36Chevy,
To add to what Bob said, I found that in my area the coverage from the specialty companies (Haggerty, Chrome, Grundy, others) varied a LOT in the restrictions on miles and usage (from virtually no restrictions to only covering to and from club meetings, car events, etc (no errands, etc). I would recommend that as you do your comparison be sure that the policy limitations fit your specific needs. If you use your car as a secondary/pleasure vehicle, taking it to the hardware store, grocery store or to get an ice creme on Saturday night you want to be sure that your policy is not limited to car club events, etc. Also, if you peruse the thread I linked in earlier you'll see that though they told me they were only interested in my driving record, I got turned down due to recent family history, though every claim was a minor parking lot bump/scrape. In a nutshell, be sure you compare apples to apples as Bob said, but it may not be an easy task. Ask lots of questions.