[copo69]

Agreed value contract is what you want. This contract pays the amount that both you and the insurer have agreed on. With a stated value contract you state a value and the insurer agrees to pay up to that value at time of loss. Most specialty insurers like Hagerty's or American Collectors offer agreed value. I have just changed to Hagerty's after being with American Collectors for 5 years. Hagerty's seemed much friendlier,more knowledgeable on the cars themselves and they seemed to want my business. When I contacted American Collectors prior to renewal to make some policy changes I wasn't impressed with the service. I've never had a claim but I have heard both companies have good claims service. By the way I've been in the insurance business 24 years.