I'm pretty sure I know the answer to this question but I'll ask it anyways since there might be a wrinkle I haven't thought of. My '65 Coronet is insured with State Farm on a stated value collector car type of policy and it is fairly reasonable. I think they charge me about $20 a month. My '72 Duster is also insured with State Farm but it is on a normal policy not a stated value. They won't insure it on a stated value policy since it has a roll bar in it. I think the cost for that policy is around $30 a month but they won't tell me what the market value of the car is. They just say that if it is in an accident they'll repair it up to the market value but they claim that they can't tell me what the number is. So I don't know if it is $1500 or $15,000.

I can get a stated value policy from Haggerty for roughly $40 a month so I'm going to do that. I figure the Haggerty insurance is a much better deal than the State Farm time bomb since I'm almost positive if the Duster got hit they would tell me that the car is only worth a few thousand so here is the check and sorry for your loss. Do I have this figured correctly or am I missing something? Here is a picture of the Duster.