Thanks @FJ73Texas and @Ghostrider I ...that helps significantly!
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@ZeGerman , do you have any other details on the agreed value policy through Progressive? Does it have any limitations about using your HDJ81 as a daily driver, number of miles, or usage? Any ballpark on premiums based on your agreed value for your rig? I'm paying just about $700 a year through GEICO for our 91 HDJ81 with an average deductible and comprehensive/collision coverage. I realize different states have different minimum coverages, so an apples-to-apples comparison is difficult. Any info you can provide would be helpful, thanks!