My son's policy was an Agreed Value coverage. They agreed with the value and took his money for more then 3 years. When the time to pay came up, they tried to change the value. I simply told them it didn't matter what they thought the car was worth, it was an agreed value and the premiums were paid for that value and we expected nothing less. The Insurance commissioner agreed with us. The simple fact that they even tried to reduce the value on an Agreed Value insurance Policy is enough for me to advertise the way they do business. Your car, you take your chances. I'm not giving them an opportunity to try to screw me, and my son no longer has them either. Gene