I have full coverage with Erie insurance. Now if my car in totaled, I will get book value, say $9000.00. If I have insurance with Hagerty or Americancollectors.com, I can get insured for $15,000 if I wanted too. I have a lot of extras in my car that would not be covered under a normal plan. The cost difference is minimal in my case. I have fire and theft during winter storage.