First of all, sorry the insurance companies are putting the screws to you.
I bought mine "used" when they were not in stock anywhere. Bought it face to face, claimed only one box of ammo through it. Looked brand new to me, got everything that came in the original box, paperwork, fired round, gun rug, etc. Paid 600 for it. Then got 5 colt stainless 8 round magazines, still in their Brownell's packaging for $10 each. Best $650 spent, EVER.
I would see if there are any available locally, and see what they are selling for. If they are $749 new in the local shop, $650 seems reasonable. If you are in one of those areas that has the legendary $575 price, you will be looking $450-475.
I guess I am saying $100 less then the new price in your area should get the job done.
You might want to consider trading for a nice wheelgun.