Appraisal report

$780yr for a $2,500 car that gets limited use...and they want YOU to appraise it? All the policies I've had we're either "stated value" (premiums based off value), or they sent out THEIR appraiser. Why should you have to do it?

Unless you are 18 or have a pile of DUIs $780 is crazy. That's roughly what I pay for full coverage on my family SUV (roughly $70k, 20k miles a year, and multiple drivers). My wife's Challenger is @$50k, 10kmi a year and cost less than $300yr.