Agreed Value vs Replacement Cost 🚘 | Classic Car Insurance Explained for 2026 With classic car insurance, you can choose between replacement cost coverage or agreed value 📋🚗. Agreed value is exactly what it sounds like. If you spent $15,000 on the car and put $3,000 into modifications 🔧, the vehicle is worth $18,000 to you. When you choose agreed value, that amount is set upfront—and that is exactly what the policy will cover if there is a total loss ✔️💰. No depreciation. No guessing. #Clas
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