>Be careful here. There are two terms you need to be >aware of for insurance - declared value and agreed >value. - - - - - - - - - - - - - - The operative words in this message are "Be careful here.". In all business transactions and especially insurance transactions, don't take anything for granted. If you have ANY doubts, get it in writing. And, while we are at it, don't get upset at what someone else says they pay for "full coverage". I wouldn't drive out of my driveway with what some people call full coverage. Further, know that even within the same company, rates vary significantly from state to state. Even though I live in the mountains of Colorado, insuring my DeLorean was much tougher and more expensive than when I lived in Los Angeles. Now, through the AARP insurance plan I have coverage which is right for me and which I can afford. Dick Ryan VIN 16867