I have been insured on normal cars with State Farm since I started driving in 1989. I inquired with my SF agent's office about a collector policy and they looked at me like I was speaking Greek. (Eventually I learned, or was told, that SF did not offer collector policise in Illinois - apparently that's not true any more.) 3-4 years ago I moved most of my old cars to American Collectors; I had no problems with them, but premiums doubled in 3 years so I shopped around and switched to Hagerty, for about 60% of the cost for the same coverage.
My Saab (1985 SPG) has remained insured with State Farm. A few years ago I had it on a rally in West Virginia and hit a deer. It wasn't bad as far as deer strikes go - it didn't go over the hood into the windshield, instead just taking out the lights and grille and damaging the hood and a little bit of one front fender. I was really worried SF would total it, but after asking the local Saab shop for a recommendation on a body shop that could fix it, SF didn't blink. I had to find the parts myself (shop's requirement) and finding Euro headlamps was a pain, but once I had them I just delivered them with the car, the shop (who was in-network with SF) did the work and I paid them my deductible. All in all a very good experience.
