Opting for agreed value car insurance is well worth the additional cost if you drive a brand-new vehicle, own a heavily modified or rare car, or carry an auto loan where a sudden market-value payout would leave you facing a severe financial shortfall. Because new cars depreciate rapidly the moment they leave the dealership, agreed value eliminates the risk of absorbing thousands of dollars in depreciation losses during a total write-off, providing total peace of mind.
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