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Well you must have a horrid driving record/insurance claim record, or something along those lines... My Hagerty policy is for $30K and is about $800 a year. Granted I've had the policy for the last 10 years, but they asked me minimal q's and all I sent in was a mod list, along with 3 or 4 pics. Also, I live in MI, whose "no-fault" status gives us some of the highest premiums in the nation.
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