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I was going to title this "Do I need Hagerty?" but I think in the course
of typing it out I answered my own question. Now the new question is
the title. How much insurance should I buy?

I've got a '98 Alpine White/Mulberry convertible in fairly good shape(it
actually looks unbelievable to the uninitiated but no one on this forum
would think much of the condition it's in) with Dinan supercharger,
throttle body & free flow exhaust & 97k miles. She has some
small scrapes on the top and a cracked parking light and a couple of
stone chips, but when cleaned up she looks like new. I've been hearing(I
think it was the Hagerty magazine) that '90s Bmws are becoming
valuable. I looked on bringatrailer and ebay and didn't find much. Right
at the moment I've just got a default Allstate policy. The other day I
was out tooling around and made a dumb maneuver that could have got me
in an accident. That got me to thinking.

Edmunds appraises her at around $5-6k, no doubt if I got in a serious
accident Allstate would be happy to total her out. How much insurance
would you suggest?
(Sorry I don't have a better pic handy)