I have Hagerty for mine. I have highest coverage they offer and $20,000 replacement runs me $560 a year. I am approaching 10,000 miles. I will be lowering value as I get more miles. My policy does not have any restrictions on when or where I can drive. Some companies do have restrictions. For a limited with 88,000 miles I would think you would want 6,000 to 9,000 in replacement coverage.