Classic car insurance, who do you use?

[67XR7]

I have always been told that Hagerty is the cream of crop for classic car insurance. I have recently started looking into classic car insurance and while talking with the rep the other day from hagerty he said that at best my car could only be insured for up to $25k as this is what the top of the market value is for a 67 mercury cougar XR7.

I got to thinking and by the time I have The full Dse setup on my car plus brakes and wheels and tires i'm well over that $25k mark.

So I am curious as to what everyone else is using?

I see $50-$100k builds all over the internet and think to my self is that fully insured?

The rep compared my car to a chevette, yes............ the other "vette" and he stated " well if someone wants to spend $100k on a chevette we cant simply insure it for that much cause they wanted to spend that on that car"

I did ask about appraisal and he seemed to think it might hold very little clout and I still wouldn't be able to fully cover my car, and he said I would be hard pressed to find someone who would cover the amounts I was throwing at him (which were in the $40k-$60k range)

I need to do some more calling around maybe try Grundy and Heacock, cause If I cant protect my investment then maybe I need to look at a different build?

Thanks in advance for any insight everyone may have.