I went with progressive. I just called our agent and she found that for me. I don't have restrictions. It is on the same policy as my motorcycles. I have had antique cars in the past and they had restrictions and I was never comfortable driving the car. I think restrictions do two things. One it keeps you from just enjoying your car the way you want to enjoy it. 2. It creates a loop hole for the insurance company to contest a claim. Are you just sold on the two companies you have stated? Have you explored other options?