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Matt,
I have American Collectors - I am paying a little less than $400/year, $65K agreed value, 2500 miles/year allowance. Agreed value, in case your not familiar, is the value that the Ins. company will pay in the event the vehicle is a writeoff. That differs conventional policies that only pay a depreciated value (e.g. Kelly blue book value).
Never refer to it a a kit to the Ins. people, instead use the term "factory built replica" for your SPF. They may also look at your driving record closely.
Best of Luck,
Jim
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