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yeah - none of those things are considered "upgrades" to anybody in the business who is considering value. they may be cool, but they lower resale value, which is what the insurance companies look at.
that being said, i would plug in your specifics to NADA and get real book value, and send that to them. most insurance companies are required to give you book value, though that can range quite a bit. i plugged in an 87S and got over $7k retail. that should equate to $4-5k blue book. basically they need to prove that the numbers they are offering are market. KBB doesn't even list anything that old anymore. i think they are lowballing you in hopes that you won't blink.
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