You probably aren't going to find too collector companies that will cover an accident if you are towing with it. The whole point of those companies is to give you a low rate because it's a pleasure vehicle that sees limited use.
Before I sold my xp8 I had it insured full coverage with NJ manufacturers (i'm guessing nj only) with like 20 grand worth of aftermarket customizations.
Most companies I contacted did not want to do collector policy's on vehicles that new or suv's or trucks.
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