I basically just told them how much coverage I wanted to put on it. If I remember correctly I have 8k on the convertible, 8k on the Trans Am (which I should increase) and 5k on the Lincoln. They never questioned these amounts. They probably take it on a case by case basis. For instance, I don't know if they would let you put 20k insurance on a fox body . Maybe if you had receipts documenting everything? I don't know. Your best bet would be to talk to them if you're interested. I'm just a customer. Not affiliated with them in any way. I actually probably ought to raise it on the Lincoln too. The 5k insurance would probably only be enough to replace the motor. But I figured I was better off going this route than with conventional insurance. If I had regular insurance and one of my cars got hit, a conventional company would probably just want to give me 1k and total the cars due to their age.