Thanks for the info Russ. I contacted Grundy this afternoon to get a quote, and honestly they have the best rate so far and will allow me to use my car as I see fit. When reading the fine print on there website, it states that my collector vehicle cannot be used as a secondary daily driver, commuter, etc. I asked the guy on the other line what I can’t use my car for because its mine and he said “We understand what a car is designed for. You can’t enjoy it unless you’re driving it, we just don’t want them being driven every day year round.” That’s not a problem in WI! The total cost for the coverages with a $0 deductable is $271/year.
I was quoted the same from an independent insurance agent in Madison who was recommended to me by a friend of mine. For the Buick scenario, I think this may be the route to go, but I’m going to look over all options before I settle.