nickwi21, Hagerty has a broker where I live, called and made an appointment, agent looked at my SRT, conversations followed regarding usage, etc. The usage/miles driven did not seem to be an issue (roughly 1500-2000/year). I had issues similar to yours with another company that I called. I could use the car to cruise, but could not use it to go to a Dr. visit. Absolutely absurd! Find a carrier from the listings on the provided link and start calling until you locate one that fits YOUR needs/price point. Location/geography play an important role in a company's underwriting policy. Note: I am only 4 miles from the ocean, go figure....