Mark,
First of all, welcome to the forum, great bunch of people here!
I can't answer your car loan question but I can tell you I have my Cobra insured with Robbin Terry at Midwest Classics. My policy is for:
1. $35,000 Agreed value
2. 5000 mile limit
3. Can't use it for work or racing
3. $450 per year
I didn't need an appraisal, just had to fill out some forms & send them a picture of the car. Robbin is a car guy & a great guy to work with.
To see more on the insurance topic, do a search for insurance on the forum, tons of info.
I have family in Ft. Myers, going to visit them in May sometime, maybe I'll see you out in your Cobra?
Randy