85 isn't considered antique/classic. The ins. cos. like Grundy want 25 years or older, will require pictures, locked hard garage, only an occasional drive, not a daily driver. Some have milage restrictions, ~2300 per year.

I pay about $98.00 per year for full coverage on my 1948, BUT, it's hardly ever on the road.

I don't think any ins. company will ever reimburse you for the money you put into your Jeep.