There is a lesson in all of this. Insurance is a necessary evil and everyone tries to get the best rates possible. This generally works out just fine when insuring a Toyota Camry or a Honda Civic or any vehicle that is available for a dime a dozen. Fair market value, replacement cost and so on are easily determined. Insuring something rare though, like a VX or something antique(ish) like a 87 El Camino is trickier. Sure there are NADA guidelines but realistically, once a vehicle becomes 'rare', one cannot just go out and get another one that easy. The fair market value is based on good averages across a state or the nation. Three or four available vehicles for sale do not translate into a good statistic for value. Ours are specialty vehicle which were rare from the start. Now 10 years after final production, given that a lot of them are probably totaled, the pool for assessing a fair value is more difficult than ever. One might discuss this with ones insurance carrier to see how one's policy addresses this. Carriers do have specialty policies available that value antiques or rare vehicles differently than your Honda Civic. It may cost a little more, but should the unthinkable happens, you wouldn't sit there explaining why they shouldn't look at your VX as a 10 year old import with 75000 miles. I mean if it was the LAST VX in existence and in good shape, even at 200000 miles it would be worth more simply because of the rarety. Just sayin...talk to your carrier and see if someone totaled your VX, how would they look at it and if you don't like what you hear, see if there are alternative insurance plans.