I talked to Haggerty about their insurance for my '62 Falcon and from the way they made it sound, you're only covered if you're driving to/from a car show and you can only go like 25 miles from where the car is registered. And you have to keep the car in a locked garage and

They basically made it sound like their insurance would cover the car as long as its sitting under a car cover in a locked garage and I'm not driving it anywhere. Which is probably why that insurance is so cheap... the stipulations take all the risk out of it for the company.

The best you can do is get geico or whatever and talk with an agent about having a full-coverage policy with an agreed upon value. Which would be highly suspicious to them, as the average customer with an '82 model vehicle only carries liability, and since theres pretty much no fixing an '82 Prelude (where would a shop get parts?) they would have to give you the $$. They might see it as a higher risk for fraud.

If they agree to it, you'll end up paying more, but should something happen to the car you might be able to recover some of the sentimental value.