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^ It's the type of coverage too... I remember reacing out to Hagerty when I had my 87 BMW, 94 MR2 and 93 Prelude all on collector plates... they had some options for pooling vehicles and the big thing with them was undisputed declared value! Pay you out whatever you say the car is worth (although your premium reflects that claimed amount) which is a pretty damn cool option even if it does cost a bit more.
If the cheaper coverage somewhere else writes your car off for a windshield and says book value $800 is it still worth it??? Pretty hard to say but I'd probably go with the better coverage even if it costs 2x as much rather than drive around everywhere with my sphincter tightened.
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