[RedBarchetta]

Get a professional appraisal done (about $175) and have the car insured for the appraised value. Mine came in at $50K and Allstate insures it for that (for less than 1/2 what you're paying AAA, and with a 2,500 mile exclusion). I've had the car roughly 3 months and have driven ~500 miles, so I'm tracking below my mileage limit (so far...knock on wood).

-Deano