No matter which insurance agaeny you go with, GET A PROFESSIONAL APPRASIAL, DOCUMENTED WITH YOUR PICTURES. Then ask to see the ACV (actual cash value) clause an insurance co. will use to pay off your car if it's totaled. You may have the privilidge to pay premiums on any value you want, but they will decide what it worth after the accident.
Unless it's stated exactly on the policy the $$ amount, how can you argue. You do agree to the contract after all when you sign.
The only kind of insurance you should accept is a STATED VALUE. There are classic car insurers out there, ask an independant agent or check out Hemmings. You might be surprised the amount of coverage you get for the price.
Why invest big $$, and insure it on the cheapest?
Just my 2 bits.
DG
[This message has been edited by DG (edited 11-13-98).]