Originally Posted by
CaptainHero
Our state farm insurance agent refuses to sell us agreed value insurance for $10,000 value on our 2004 Limited coupe with 37,000 miles on it. There is one for sale 50 miles away with 40,000 miles on it for $13,000 and there was one a little under a year ago locally for sale with less than 40,000 miles for $12,000 But to this insurance company it seems that mileage and condition don’t matter and all of them are worth next to nothing. We will likely be moving all of our insurance to USAA soon.
Like several others in this owners group, I switched my coverage on the 2007 Limited Coupe to Hagerty. They offered me guaranteed replacement value for the car at a price I determined. They did want me to agree on an annual mileage allowance for the car, as they do provide full coverage for a collector car marketplace. But we don't use the Crossfire as a daily driver, so the mileage allowance wasn't an issue. Hagerty has never asked me to confirm the annual driven miles during any policy period.