Grundy, aka Philadelphia Insurance Co, has me at under $475 year, no restrictions, for my '70 Mach 1 and '88 5.0 Stang. Declared value at $38K for the '70, $22K for the '88 w/o even looking at my policy. Now, that said, here in suburban Chicago neither leaves the garage for about 5 winter months. Mileage then is very low per year.