Value Of My Car For Insurance

[robbiedawg]

Hi all, I have agreed value/collector car insurance. You can state the value, within reason. I'm curious what you knowledgeable owners think my car's worth. Thanks in advance for your insight.

IMMACULATE GREEN/TAN ‘95-T, 52K MILES. ALWAYS GARAGED, ADULT DRIVEN, NEVER WRECKED, NEVER SMOKED IN. PROFESSIONALLY DETAILED TWICE A YEAR, WITH EXTENSIVE PAINT CORRECTION DONE. CAREFULLY MAINTAINED, OIL CHANGED EVERY YEAR OR ~3K MILES W/MOBIL 1 (OR HONDA FULL SYNTHETIC A FEW TIMES.) NOT TRACKED. I’VE OWNED SINCE 5/08, THIRD OWNER

INTERIOR IS ~9.7, NO FLAWS, LEATHER LOOKS GREAT
EXTERIOR IS ~9.5, VERY MINOR ROCK CHIPS ON LOWER FRONT

STOCK EXCEPT BEAUTIFUL 17/18 BRONZE VOLK CE28N’S, TEIN S-TECH SPRINGS (DON’T HAVE ORIGINAL PARTS), KOYO RADIATOR, BRAKE ROTORS AND CATS AS DESCRIBED BELOW

I’VE PUT A LOT OF MONEY, TIME AND EFFORT INTO GETTING THIS CAR INTO THE BEST SHAPE POSSIBLE.IMPROVEMENTS/ UPGRADES/ MAJOR MAINTENANCE:
HAVE ALL RECORDS SINCE I BOUGHT IT, AND SOME FROM BEFORE-
10/16, 49k miles- EPS rack rebuilt by D1 guy, Koyo radiator, brake master cylinder, clutch/brake switches
12/15, 46k- new oem shocks
7/15, 45k- Hugo new window guides, Hugo window kit done 9/10, both by Hugo
11/14, 43k- Major mechanical refresh at NSX specialist Daisy Auto, over $10K spent- SOS year 2000+ ABS and LMA upgrades, (stupidly expensive) front/rear targa seals, dash panel by defroster vents/temp sensor, TB/WP/valve adj., clutch master/slave, thermostat, air/fuel filters, speaker amps rebuilt by Briank, general cleaning and improvement
5/14, 42k- Two Angus Hi-flow cats
2/13, ?- SOS s/s braided brake lines
12/12, ?- hp fuel hoses
5/12, 38k- Briank repaired CCU board
3/12, 38k- starter, Denso rebuilt, oem brake pads, SOS Centric Sportstop rotors
3/11, ?- main relay
10/10, ?- all hoses, coolant tank
9/9, 33k- new oem clutch

 

[robbiedawg]

Anybody have an opinion?

 

[DocL]

How much you think it's worth is all that counts. You're the one who is deciding on the value of your car in case it gets totaled or stolen. You can insure it for $100k as long as you pay the premium.

 

[Jinks]

I valued my blown and rebuilt motor salvaged car through Hagerty at 55k for about 1200 a year paid in full.

 

[bullithollywood]

Robbie, Haggerty values a No.2 Excellent OEM 95 at $67K, avg car is $54K. All the work you've done is pure value added IMHO and doesn't detract from OEM character. So I'd expect to have to pay between $57K and $65K for your car. Most importantly it shows you've really cared for the car and that'd be worth paying a premium to me so I'd lean more towards the $60K+ region. That said, the real question is: If your car was a total loss what would it cost to replace it with a NSX of like quality, and that equation is more than just year and mileage. Ultimately only you really know what kind of car it'd take to replace your baby and what that'd likely cost. I've realized I couldn't replace mine for less so I've insured it for $65K. And pray I'll never need to use it.

 

[BamaFan]

I have a '95, but it has more than 2x the miles. Hagerty recommended I increase my agreed value to $54k. I really don't think it's worth more than mid-40's, but the cost difference for the upgrade was very small.

 

[nis350]

I imagined a regular insurance policy would cover the car for ~ $40K... assuming it is a weekend car and >3000miles/yr, the premium shouldn't be that expensive.

I have a '95, but it has more than 2x the miles. Hagerty recommended I increase my agreed value to $54k. I really don't think it's worth more than mid-40's, but the cost difference for the upgrade was very small.

 

[91 X]