Insurance on classic cars

After shopping around years ago with my '68 Coronet R/T I went with Grundy for the lack of usage restrictions. The agreed value and subsequent required in NY coverage was less money than basic liability as a 4th car on my combined (house/auto) policy. The Barracuda currently has 50k agreed value (with glass,towing,stolen or damaged parts not installed,driveway to staging lane coverage) and extra (ny required)coverage for $383 a year. With the new drivetrain I'll be upping it. It's not just the states required minimum coverage, make sure you will either be made whole or have your car fixed, after any physical damage of course.