I dumped Hagerty for this very reason! I now have my Cuda insured with State Farm for almost 1/2 the cost. Only difference is Hagerty had $0 deductible and State Farm has $500 deductible on collision. I've been with State Farm for years for insurance on all my other vehicles, RV and home and had...
I had pretty much the same size and I definitely remember it was more than a "cut and a bend"! It took considerable grinding to get enough clearance for those magnets!
When I first put aftermarket speakers in mine years ago I had to get in there with a rotary file in a drill and open up the substructure quite a bit to clear the magnets on the speakers. It was not an easy task! When I replaced my dashpad a couple of years ago the cones were shot in the speakers...