I just bought my Hagerty policy. Some of the liabilities are lower than what I had, not that big a deal. It's costing me about $170/yr more, but instead of having a value (KBB) of maybe $7500, I've got an agreed value of $18,000. In NY a vehicle is considered a 'total' if damages are 75% of the value. In my case, that would be ~$5600. I don't know about where you guys are, but a parking lot sideswipe down the front fender and door would more than cover that. Here's a check for $7500 and we're taking the car!
Now if the car gets damaged, I can get it fixed up to $13,500. Hey, it's only money, and right now I at least know if I or someone else F's up, I probably won't get my car taken away.