[YENKO DEUCE REGISTRY]

My situation is that my American Collectors policy required an appraisal, which cost more than the first years premium. Now, the car has gone up in value enough that I need to increase my agreed value, (currently at $36k). However, I paid the annual premium in full last August, and I don't really want to go through the hassle and expense of another appraisal to get the increased coverage. I also don't want to go through the spring and summer with the agreed value being too low, and don't want to forfeit the prepaid insurance coverage by switching to Hagerty. What to do?