I’m looking at switching to Hagerty for my 2008 Limited roadster, which I consider is in excellent condition with 46,840 miles on it. KBB lists the private party value on the high end at $14,184. Cars.com lists many with higher mileage well over that. Hagerty’s premium is $390/year for a $14K value, $403/year for a $15K value, and $416/year for a $16K value. I’m leaning towards insuring it at the $15K value. What are your thoughts on KBB’s values for our cars?