[ohhawk]

Unless something has changed with State Farm in the last 12 months they do not "guarantee" a value for your classic auto. Ask to see where it states that in writing in their policy don't just go by what an agent might tell you. There is a difference between "stated" value and "actual" value. In most circles "actual" is the type that is used with the specialty carriers (Hagerty, Grundy, etc.). They will guarantee to you a value for your car once that value is agreed upon between the two parties. They may or may not agree with your assessment of the value of your car but they will give you an "actual" value that you can hang your hat on.

If you have a high dollar car and are insured with State Farm I think you might want to do some homework. Yes, the specialty insurance companies are more restrictive in how you can use your auto but that's what you give up for the guarantee. If you can't live with the restrictions in their policies then State Farm (and others) might be your best choice.

I am not in the insurance business so don't claim to be an expert but this is what I learned in examining this issue closer a year ago when I had coverage with State Farm at the time and moved to a specialty carrier after closer review.