I'm currently going through the same insurance dilema.
I've been with Continental Western, on a collector policy but when I received my renewal notice it contained a cover letter that spooked me. It says the vehicle must be parked in a fully enclosed garage and that it must be driven primarily for car shows, club events or occasional pleasure drives. The letter also said It may not be driven for daily transportation, including back and forth to work and for general errand running. I believe this means I can't haul anything.
I'm paying $212.00 a year for full coverage with a value of 19K with 1K deductible. At one time, about a year ago the agent mentioned that I would have to get collector plates but later rescinded the request.
I called the agent voicing concerns/fears and was told I really should make arrangements to park the vehicle in a garage because if I didn't there wouldn't be any coverage if it was stolen, if a tree fell on it, or there was hail damage. My concern is with having coverage if I have an accident, not with fears of falling trees. The agent suggested she order up a policy and highlight the areas of concern.
In the meantime I contacted another agent that writes standard, non-collector policies. He will have to write it on a commercial policy at a cost of $683.00 a year for full coverage w/$1,000.00 deductible --- no restrictions.
I'm still waiting on word from the Continental Western agent and will forward the results.
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