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I use BaT to estimate replacement cost. Currently, my insured value is a bit less than current market but quite a bit more than I paid for the car. To bump it up to replacement cost is a hefty premium bump and I've resigned myself to if the car is stolen or totaled, I will take my "profits" and probably not seek a direct replacement.
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1971 911T w/ a 2.7 (ITBs, EFI, a bunch of other stuff, 2180 pounds with fuel)
2024 Ford Bronco Raptor
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