It depends on what you want to have done to your quilt. A simple meander doesn't take much time and therefore, not much money. Time is money! So the more time a LAer spends on your quilt, the more it will cost.
Make sure your quilt is as flat and square as you can make it.
Shipping a quilt is not as expensive and you might think. I have several ladies who mail their quilt tops and backs back to me. A couple of them send several at a time, whatever they can pack into a flat rate box. When I send them back, I don't use a flat rate box because I've added batting and the quilt by itself is much lighter. Depending on the size of the quilt, cost to ship back has been between $5 (for a baby quilt) to $15 for a huge quilt with poly batting (the heaviest).
Unless you save every receipt for your fabric, don't bother with insurance, the PO won't pay on it. For completed quilts, an appraisal will work, but you can't get appraisals on unfinished quilts. By buying shipping labels through the PO online, both my customer and I get tracking information.