What insurance to use

In my opinion and research geico seems to be even cheaper then progressive and is the best bang for the buck. But neither geico or progressive offer stated value or agreed value coverage for class b vans. I have my coachmen insured thru nationwide. I have a stated or agreed value policy of 10,250. I also have an additional 5,000 for customization and another 5,000 for personal property inside the rv. So its basically insured like a home. Nationwide will pay 10,250 no matter how old the rv gets. Its a set amount that never goes up or down. Im paying 118.00 a month but its well worth it, with deductibles of 250 on comp and collision. ACV or actual cash value is a cheaper policy and the insurance company goes by the book and gives u less money in case something happens.