Yea precisely why I didn't go with them. They actually called me up saying they will give me 20% off first year. So I asked what's my agreed value in year 2, isit guaranteed to stay? They said nope it'll drop but can't say by how much. Two weeks later they called me back with a much lower value cause the calendar year passed. Lol no thanks. JustCar and Shannons have never dropped my cars value. So yeah staying with them for now. Paying $1,200 for $28.8k for my v36.