I have state farm. I was told they go off nada. at this time my agent said 111,800.00. I pay 320.00 on my gnx, and is inshured as a gnx, both of my grand nationals ate 280.00 each. He also came over and took pictures of all 3 cars. and my chevelle. If you have a real agent he will be their to work with you and make sure you are covered to protect you.