Speedlever-My experience was very similar to yours but eventually I received a very fair offer. The insurance agent in my case was using information he could find over the internet. You can ask for his copies of the comparables where he gets his pricing so at least you'll know what he's working off of. You can come up with your own comparables as well. What I did was suggest instead of a cash payment they find me a suitable replacement that I would agree to...........don't know if that angle will help you.