Insurance Premium Mystery?

[P.S.]

Originally Posted by Lona

... they charged us $246 for our '31 A roadster. They rated the A as a personal use car and not as an antique even though they know it is a '31 model with antique plates and were told it is located in rural Virginia and would be driven less than 500 mi ...

My 1931 Model A is insured through Hagerty for $200 per year with agreed value full coverage of $30K and $1M in liability. That also includes the 50 mile flatbed towing roadside package and 2500 miles per year of driving.

Might be time to reevaluate your insurance carrier.