Cars about done! Now an Insurance Question. Options

[TM_Corey]

I can't believe I am just now thinking about this after 14 months of bring my car back from the dead. I have had my car on my "normal" insurance plan since the day I bought it, even though its value has changed dramatically since then.

So from what I understand it is a pretty normal that most of our cars that have had extensive work on them either by the owner, or by a shop, are worth less then we have in them. (except the 6's I would assume)

How does that work for insurance? Am I just out the "gap" of what the books say it should be worth and what I actually have in it if it were stolen or totaled?

Will a normal insurance agency do a "agreed upon value", or will places like Hagerty's?

I have about a week to figure it out!!