Custom auto insurance for stangs?

[84gt347]

i'm an insurance agent, and the custom car insurers like hagerty and jc whitley have a rule about cars being 20 years old. Occasionally they will break the rule for an existing customer with pleanty of classics already insured. Example. one of my customers had a 57 chevorlet and a 69 chevelle and a nomad already insured, so they made an exception on his 87 grand national and his 03 cobra. He has progressive on his daily driven 99 suburban and 02 chevorlet p/up, which he has to provide copies of to hagerty to prove none of the others are being commuted in. No mileage statements are really requied, but as an agent i have the responsibility to ferret out the commuters if i want to continue selling for them. Progressive (whom i also represent) has the ability to do a rate on a custom car or kit car. Our stang fall into the custom car part of that catagory. I did a rate on myself and my 84 gt350 at a determined value of 10000. Under that category, i believe the mods and paint would be taken into consideration in the event of a claim.(i'm not 100%sure though) It was 135 per month, 808per 6 months. There is also AOE or add on equipment coverage available to piggy back with collision and other than collission coverage. It is not as blanketing as custom car coverage, but it works good for wheels and stereos.