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I have had insurance with State Farm for over 60 years. While I have never owned a show car of immaculate restoration, I have never been denied insurance on the value I wanted coverage for. It has always had more to do with the amount I have invested than a value that I presumed it would sell for. I believe that is why I buy insurance, to cover my loss if something should happen. To my simple thinking it makes it quite easy to determine a value.