I might also add it depends on the amount of appraisel. My 37 appraised for $20,000 so maybe thats why mine is so high? I do know this. I have check all the "regular" insurance companies and none can beat State Farm I suppose due to my discounts. I have also been in two real bad wrecks, 1997-2000-and a fender bender in 2001. They had to pay out a lot under my "under-insured" and they were very good and speedy. Just my .02 worth and Oh, the wrecks were not my fault which is probably a good thing!!!!!!
