If you were asking me then yes it does include replacement value.
I also get discounts for multiple autos, and houses. The problem with insurance comparisions on forums is that it's never apples to apples.
To many factors involved to really compare what company is the cheapest. The guy across the street will probably pay a deifferent rate than you do for the same rig.
__________________
Due to depreciation the above opinion is now worth less than what you paid for it.
Everyone is good at something... I happen to be a good bad example.
|