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The danger is that the policy your agent gave you is probably the equal of your current vehicle. Although your current vehicle is a high dollar car, that could be appreciating in value? Should you own current car for 3-4 years and need collect insurance in the total loss, the payout will depend on the depreciating car value. Close to the other hand, if in order to a beautiful 1967 GTO staring to you from your driveway, an individual think heading to be worth more or less 3 years from right? Hint: probably lots more! ) Searching by area or point