My 1950 Packard is insured by Hagerty. There is no deductable and you insure your car for the value YOU desire. On the AACA forum several have noted great service from them. For $15,000 value with 3 tow road service I pay $138 a year with 2,500 miles of pleasure or car club event-related driving. Not permitted to/from work or errands.
If the value you want for your car is less your policy is less. More, you pay more.