Insurance

FL 4Motion

Definitely speak personally with each ins co. You look into. I also looked into grundy b/c of MVP program. Def double check with them but iirc the dealbreaker was that if you wanted agreed value on , for us our streetable trck car, we needed to put ALL our vehicles, or at least a coulple under their MVP daily driver program. We only had 3 vehicles at the time, we would have lost multi policy disount for home /auto and multi vehicle discount with "regular" ins co when all we needed was agreed value coverage for the damn track car.

Also, s much as alll the "regular" ins companies suck a sweaty ballsack, if all your vehicles are under a boutique ins co. Would you feel as covered and as well protected?

In the end, wife and I decided the car modding is a hobby and treat it like a sunk cost. I.e. If your thing is going out to eat at fancy restaurants all the time, that money is gone. If your modded car gets wrecked, well that money's gone same way except your odds of something bad are lower since it's not guaranteed you'll lose your modded car

Or to put succinctly, don't play if you can't afford to pay.