I shopped around for all my insurance and settled on a company where I feel comfortable with and know the agent. That is one of the advantages of living in a small city. He may not have the cheapest rates, but I don't mind because I have never had a problem with a claim. I did the same with my street rod insurance. I have had one claim--about $900.00 in damage--in about six years. Absolutely no problem getting it fixed. I don't like writing the check each month, but with a rod valued over $50,000, it is good to have peace of mind.