[A Cobra guy]

I simply sat down and worked it out with my local State Farm rep.
I have been with him for over 25 years.
We agreeed on an "Insured Value" and set a very high deductable. (3 or 4 grand, I forget at the moment.) Otherwise coverage is just like my minivan.
I think the insured value and high deductable showed that I was willing to share the risk and that may have helped.
They have been renewing me for 6 years now with no problem.

I don't know if it maters but New Hampshire is NOT a no-fault state.