There is a big difference in rates. We have been using SIA through SCI. We are thinking of changing.

Does anyone have any pros or cons about either of them to justify the rate differences? Service, claims and etc.

Thanks,

I use Collector's Insurance (www.collectinsure.com). I've never had a claim but have heard very very good things about their claims process and promptness of payment. Contact Collector's Insurance and ask for a copy of their policy then give it to your insurance agent for review. The SCI insurance is terribly expensive.