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This isn't that technical, but is anybody using the collector car insurance guys like Hagerty or Grundy? I dont think my State Farm guys will do me right if things go bad. Paying 320/yr with SF for liability only, Hagerty quoted 600/yr for full coverage at $50K stated value, and Grundy was even lower at $380. Seems like a much better way to go. Anybody actually had a claim with either? How did they do?