Stated Values- Pros and cons...well, the state of virginia goes on STATED value for taxes...which is almost ALWAYS higher than book. my insurance does the same stupid thing, so i pay more for my insurance than that stupic honda is even worth. I mean, this may be a different case for a D, but sometimes, it can be a better solution. If your car is worth more by ACTUAL CASH, your insurance could be lower, but the benefits arent as great... Patrick Cowan