[Formerly Steve Wilkinson]

"I worry sometimes as to what I would get if my car was totaled. I suspect a lot less than replacement value."

You can easily get an agreed-value policy. You tell _them_ what you declare your car to be worth, which may have nothing to do with "replacement" or blue-book value, and that, supposedly is what they pay you if it's totaled. My '83 SC, for example, is insured with Hagerty for an agreed value of $30,000, which in fact is way less than I have in it.

Of course the higher the declared value, the higher the premium.