I assume you are talking about agreed upon value coverage. I have it with Geico and it cost an extra $73 a year for it. Before if my Cobra got totaled I would only get book ($6000), with the value coverage an apraiser came out (cost 75 bucks) and I was able to bump it to $10650. Worth the extra $73 with the luck I have with my Stangs.
Our two cars are insured through Hagerty. You have to be 25 to start with, plus they have a lot of restrictions about how many miles you can drive, whether or not you have a garage, etc. Really cheap though.
Agreed. having your parent's name on the title helps w/ insurance like a mofo. If thats not an option, see if anyone you know is tight w/ their insurance guy. If you know somebody, sometimes you can get a deal.