I mail quilts at Chritmas time and figure the cost for insurance at 2-3 times the cost the LAQ charged me. I was doing 3 times but some of the prices came out at what I thought was way overpriced so then I use 2 times. This sounds like a good price to charge. My LAQ charges .01 for pantagraphs and .03 for custom. I always do pantagraphs on gift quilts. She has thousands to coose frm.