Classic Car Insurance Hagerty vs Grundy

Quoting prices is great, however nobody ever mentions what level of coverage they have for liability, including bodily injury. If you ever cause an accident, someone gets injured, you damage other's property, etc... you better have a minimum of $500K coverage. A million would probably be better. People are law suit crazy these days. I'm paying about $400 for $500K liability, $43,000 with no-deductible value on the car, thru American Collectors.