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value for the Z. I Have 3 cars, my dd, my wife's dd and the Z. I have the stated value of $20,000 with full coverage and less that 7K miles per year. My cost for the Z is $27.73/month. Yes I have discounts for 3 cars, non-smoker, safe driver, home owners insurance, umbrella insurance and over 49 years old. When I converted from regular insurance to stated value, the policy went DOWN $300/year.

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