what's my 95 worth for agreed value insurance?

[robbiedawg]

i just got grundy collector car insurance,where you get stated value coverage-you pick the value (within reason i guess)

38k miles,well-cared for semi garage queen,detailed regularly,paranoidly parked,never driven in rain,i'm 3rd owner,got it at 30k.

exterior about 9.5/10,high end paint correction took out swirls,just a few tiny rock chips,one bumper scrape you have to be 6" from to see.
interior also 9.5,leather/dash look great,seats redone by leather specialist
mechanically excellent,most work done by nsx specialist.since i got it has had oem clutch,tb/wp and other belts,all 22 coolant hoses,starter,rotors/pads,hugo window fix,new climate control board from brian k,main relay,brakes flushed twice,trunk seal,2 new o2 sensors,mobil 1 about every 3k
small crack in targa clamshell,glued and plugged,can barely see it

i have it insured for 37k, kbb says 40k for very good to excellent,which i think it meets.

tia

 

[jaybird]

Sounds to me like you are in the right ballpark. I suspect the difference in cost for the 37K coverage and the 40k coverage is minimal - if that is the case I'd go to 40k stated value. A car like yours with all of the maintenance done would be hard to find so I'd go with the higher limit. Jay

 

[DocL]

Since you paid $30k for it, how much do you want to get if the car is totaled?

The great thing about agreed value insurance is that you can decide how much it's worth. If you think it's worth $100k, then you pay for the premium to cover that amount.

You really can't go wrong with $40k if that is a comfortable number for you.

 

[robbiedawg]

Since you paid $30k for it, how much do you want to get if the car is totaled?

The great thing about agreed value insurance is that you can decide how much it's worth. If you think it's worth $100k, then you pay for the premium to cover that amount.

You really can't go wrong with $40k if that is a comfortable number for you.

30k is how many miles it had on it when i got it,i paid more than that,and started thinking i probably couldn't replace it for $37k,so i probably will go to $40k