I have 1970 Camaro currently insured with Hagerty for $20K replacement and cost is $481/year with historical plates. I checked Grundy and for similar coverage it is $204/year. So I am looking to switch to Grundy. But when I was filling out the application I noticed a pull down menu that gave options for (a) stock, (b) hot rod, (c) custom/modified, and (d) ??. I tried (c)custom since my car has over bored engine, headers, B&M shifter and many other custom items and the Grundy quote jumped to $380. So for (a) stock it is $204/year. My question to the forum is if you've experienced this, have any advice, do those typical bolt on upgrades still qualify me as stock, other? I looked at forums for advice but cannot find any on this specific topic. Wondering if Hagerty assumed hot rod or custom when they first quoted me and that is why I am paying $481. Thanks in advance.