We also have an agreed value policy.About the only thing we can't do is use the car to drive to work,which we don't anyway.It was more than reasonable-it's an '84 733-and we did it after almost getting burned from our former insurance co. when I hit a deer.It was only after a long drawn out hassle and starting legal action we received a somewhat satisfactory settlement.If something happens and you're willing to accept$1000-$2500 keep what you have.If,like us,our car is in outstanding shape and it's worth a lot more than that to you,get the agreed value policy.