I have been with State Farm since 1980 and have never had a problem with them paying my claims. They have always fixed my car or my house to my satisfaction. I have made claims on both. I guess it all depends on who, when and where.
You should insure it for what it would cost you to replace the vehicle. You are betting against the insurance company and they always stack the deck in their favor. I would rather be over-insured rather than under-insured. Hope for the best and expect and prepare for the worst. Pete/Ct.
