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Maybe look into an "excess policy" It's a shot but it's probably not going to be cost effective. If you want $27K and Haggerty, American Modern, etc. says $24K. Ask your agent to see if he has an outlet for the difference Maybe through Lloyd's? I think you will find the collector rates to be the cheapest but maybe you will get lucky.
Just an FYI when shopping don't just compare your rates. Make sure you are comparing company stability. Make sure the agent is providing you with the carriers financial rating. It's great to save a $100.00 per year in premium but that is worthless if the company is on the brink and you can't collect when you need them.
Good luck.
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