$90 is still high to ship from NY to CA
go here:
http://wwwapps.ups.com/calTimeCost?loc=en_US
you can calculate shipping yourself
I think most people will ship a bass for around $30-$40
Maybe someone else who has shipped a bass can chime in.
On the insurance, That's pretty much BS. I'm sure if they packed it that would be true, but insurance is insurance. If it's insured the package is covered no matter who does the packing. Besides, that is only "if" something happens to the package.