I couldn't find if this was talked about or not but there seemed to be some questions on insurance claims and what they pay out in a total loss.
I am sure I am missing some info but basically insurance companies are insuring for replacement cost. They will look at KBB or something, milage on the vehicle, condition etc. I have USAA and they use a third party called CCC Valuescope to do the evaluation. USAA couldn't give me any idea replacement cost and would NOT run a market value request for me. After speaking with the guy at CCC Valuescope he told me that another option is to have a policy that is an agreed value. Turns out USAA is partnered with America's Collectors Insurance. They have a couple plans that are based on how much the car is used (both are for very limited use and certainly not off road use). For me I use on weekends only and maybe a couple times a month. I was quoted $1078.78 for a years coverage based on a $35k agreed value. They require photo's and may change the agreed price or maybe even not insure it. I didn't do any other research as I am sure there are other companies that do an Agreed Value Policy.