Agreed value or stated value for collector car insurance.

I use Grundy. I switched from Hagarty several years ago when their premiums went up a lot three years in a row. Grundy is not only less expensive, but they encourage you to enjoy your car and drive it. Hagarty may have changed, but when I had them, there were lots of restrictions. For example, if I stopped at Lowes for a few minutes and the car was stolen from the parking lot, NOT covered. If I drove it to work on a nice spring day just for fun and something happened, NOT covered. Agreed is the way to go. Stated will likely be the value that is 'stated' in their secret book.