Since I work for my agent I must assume he has done the right thing. We insurance under our regular auto policy on and agreed value policy with Commerce Insurance, I get a multi car 5% and another 5% for being a member of AAA discount plus I benefit from my safe driver status. I drive the car alot and have no restrictions on mileage I carry high limits to tie into my personal umbrella policy. I pay eight hundred and some change for the Cobra valued at $ 50,000.00