Personally I'd like to see an insurance company offer agreed value coverage for a daily driver...it might be worth a few extra bucks a month knowing that if something does happen your not going to get hosed...
Some companies kinda sorta have that in the form of "new car replacement" coverage, but the scope and availability of that coverage is limited. Your idea is an interesting one. My educated guess is that the primary deterrent to doing so is that it's not in the wheelhouse of most companies' underwriting process. That's not to say that it couldn't get there, though.
