[jhv48]

Not sure what the problem is. Sounds like a more than fair valuation to me.

Are you saying that your car is worth more than $45k? If so, just present them your bill of sale and I'm sure they will revisit the estimate. Remember, your insurance rate will partly be determined by the value of the car. So, the more you claim it's worth, the higher the premium.

Also, remember that if you take your cobra to another insurer, your "good neighbor" liability umbrella will go up substantially. So check with your agent before you finalize moving it to another company. State Farm is being more careful with replicas now because so many owners have declared that their cars were original 1965 classics rather than modern replicas.