I just select - All buyers pay the same fixed rate. Then it is
$2.00 for the standard ebay envelope for non graded cards up to $20.00.
$5.00 in a bubble mailer which usually costs about $4.50 for one graded card or a non graded card that sells for more than $20.00.
$8.00 for combined shipping up to four graded cards.
All of the options are insured by the USPS. If additional insurance is required for a more expensive card, I adjust the shipping charges accordingly AND state in the listing that the shipping cost includes insurance to $xxx.xx.
That way there are no surprises and the buyer knows up front what he is paying for.
Bob
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