[khgeisler]

Momma says insurance is like a box of chocolates

State farm is doing me righteous based in Virginia, he warned me that basing in Pennsylvania rates would skyrocket

I have never found State Farm to be reasonable on anything.  But, I did find a firm that rights a Progressive policy with an agreed value for a 1995 Newell, all with the highest limits and lowest deductibles.  Geico, who writes my auto and home, rights a policy thru Foremost and was way of the mark for a cash value policy at the lowest limits, and highest deductables.