What car insurance company do you use?
Before you go with Grundy, I'd give them a call and then give them some time to call you back.
I have a Hagerty policy. They jacked my rate $10 a year. Went from $108 to $118. Not that big a deal really but it caused me to look into Grundy. Got an online quote of $98. Cool, I call them get the ball rolling, they concur with the online quote say they'll send me a packet in the mail. Look it over and if I'm ok with everything send a check.
Next day, I get a call from Grundy. They tell me that I was mis-quoted and rate will be $178 a year. The reason for the difference is the value of the car is not enough. I'm realistic, my car is a $10K car, I told them so. So it cost's more to insure a lessor amount.
I'm just going to pay Hagerty's the extra $10.