[Tony Radford]

My Allstate policy is soon to expire and I'm looking at alternative sources for insurance for my two daily drivers and the Cobra. I'm concerned about the Cobra policy, especially with the outfits that quote really low numbers - like sub $400/year. I'm paying $800/year for declared value of $40K with Allstate. When I ask exactly how the post-crash value is determined, I don't get a warm and fuzzy. It seems like determining current market value less depreciation might be a bit challenging for a replica. Is there anyway to minimize risk prior to signing on the dotted line?