I was thinking $25K tops but really like 22-23K

Um... don't you pay more if you think its worth more?

I'd say 19 is lowish.. maybe 23 seems fair in these recently inflated time.

For what it's worth, Leland was WAYYY cheaper than Hagerty.

I think Leland was like $2xx and Hagerty was $5xx for the year with the $30k stated value.

I wound up having to go with Hagerty because of my family's position, but would have gone with Leland had that been an option.