Insuring over book?

[Simon S]

Anyone carry a policy for over book value? Like ~$12K invested on the car with coverage for ~$9K?

(go in with receipts and work with an appraiser at time of policy agreement)

Would this be silly?

[kts]

You should look into a classic insurance policy with something like Hagerty. With them you will have an 'agreed value' policy where you can set the value of the car to whatever you want. (Within reason and the insurance company agreeing to the value but for $9-12k that shouldn't be too much of a problem.)

They do have limits on how many miles a year you can put on the car, it needs to be garaged, and you must have another car as a daily driver than is insured with another insurance company.

I tried to get my insurance company (State Farm) to do an agreed value policy and they said no.