Are you stoned... massive stipulations keeps coverage down.

Grundy Worldwide's program has insured more than 1,500,000 collector vehicles through leading A++ rated carriers. Grundy Worldwide is the fastest growing insurer of collector cars.

Hagerty A rated..

These are NOT NO NAME carriers. Just cause your not familiar with classic cars and never heard of these companies does not make them bad.
Insure a classic car through Allstate, Farmers, State Farm and see what happens when your car gets stolen or totaled. Kiss that full value down the crapper. Why do you think each one of these companies have websites that have sucks.com after there names...surely not from GOOD customer service. I know three classic car owners that had either there car totaled or stolen and all three received FULL value checks within 10 days.
The reason for massive stipulations is to weed out the riff raff that take advantage of standard coverage carriers. Why do you think you pay so much...sure the hell isn't cause you drive a nice vehicle..

Same goes for 21st Century....ever get a quote from them?
Well...if your credit is bad...don't bother. They consider your credit rating more important then your driving record when they quote out fees. They consider credit ratings a direct reflection to driver responsibility. Insure a million people with excellent credit and claims will be less.