Trying to find an affordable collector car type of insurance. Have less than 20k on my 2012 gt/cs, and don't want to take it on the chin if I suffer a major loss. Right now it's insured for 25k agreed value, but the company won't go any higher. It would cost at least 45k to replace it, so the risk is just too high for me. You opinions on coverage, companies and premiums would be most appreciated.