insurance value

Talked to insurance agent, first he quoted me under my DD, full coverage just under $600 a year, I asked if it was agreed value,"yes, they will pay you up to that amount or what they estimate it is worth, in case of total loss" Uh, then its not agreed value. He then quoted me collector ins. (dam memory, can't remember the name, but sounds Irish, if that helps)for $102 a year.