What do you think it is worth? State Farm-

[Unreal]

My house and 4 family cars are insured with State Farm. I talked to them about insuring my Camaro, and they have "Stated Value" or some term similar to that. That means that they agree to a starting point, which in your case would be $18,000. Then, in the event of a claim, they depreciate the 18,000. In a total loss, you will get a whole lost less than the replacement value of the car. Specialty insurers recognize that these cars APPRECIATE not DEPRECIATE.