I have 13 vehicles, including an aluminum trailer and Hagerty Plus towing for a total of $120,000 for 1039.87 per year. I've had a windshield replacement and another small claim and 1 tow and 1 roadside assistance since 2008. The tow was for a dead started on my F-150. I've driven in all 48 states with my '50 Ford. they have been great! Can't speak for any one else. Just telling my experience. I was with JC Taylor for many years and had one claim and they handled it proper, also, but Hagerty was cheaper and would insure the 2001 Mustang GT Convertible that JC Taylor would not, at least at that time.