Suggest you talk to the folks at Heacock Classic Collector Car Insurance. They're a broker/agent and can shop the coverage around to multiple insurers. They'll have a sense for is likely to cover or not cover something like what you've got. And you won't pay any more than if you'd contacted the insurer directly -- the insurance companies are happy to pay Heacock's fee for bringing them business.

All "collector" coverage I'm aware of has other requirements -- car has to be garaged/secured. Limitations on annual mileage and how the car is used - in other words, it CANNOT be your daily driver. Some even expressly state that you can't drive it to work - can be used for 'pleasure' drives and/or only to 'car related events' -- or language to that effect.

Mine is restored and highly modified. I left Hagerty a few years ago (prices just too high) and Heacock secured coverage through Grundy on mine. After discussions and seeing pictures/modification description, Heacock suggested a $35,000 agreed value coverage -- and Grundy said 'yes'.