insurance is only as good as your agent regardless of who's insurance you purchase. I checked into two classic car insurers, one was Hagerty. My current policy with Erie, w/ $1k deductable was a few dollars cheaper. So, I am staying put for now... I have no restrictions. Geico, insures my bike. I can switch to a storage period with them to save, and I am asking about this possibility as well with the cars...but, again, when the weather is nice, I like to drive them...so even that isn't a deal clincher...