my state farm agent is a personal friend of mine. i am getting ready to spend big $$$ on my car for upgrades. he suggested getting 3 independent estimates on the value of my car by "qualified persons". as you know, the amount of your insurance premium is determined using multiple factors, one of which is the determined value of your car. our cars are getting old and the presumed condition and value is dropping quickly. if you expect to get $15-20K for your car if it is "totaled" or stolen you need to document all upgrades and get several appraisals AND pay the monthly premium for a $15-20K car.