I have a gated 360 Spider, pretty much stock, in nice condition, a Hagerty #1.5 or 2. I paid about average for it. My USAA insurance with a high deductible is very reasonable, about the same as our S550. I got a quote from Hagerty for agreed on value insurance with a lot of restrictions. It was almost twice my USAA policy. So why would my regular car insurance from USAA not be good enough? If my car burns to the ground or is otherwise totalled, I assume insurance would cover (minus deductible) replacement. I'm no insurance expert nor did I play one on TV so I'm at a loss as to why I would pay extra for a gold plated policy? Thanks in advance for your comments.