with "agreed value" - please understand its not saying "I want it for x amount" and then they agree to it, etc
does not work that way.
agreed value means they agree to the value of vehicle for the 12 month policy and if there is a total loss, whether 2 months, 9 months 11 months and 3 days - that company will pay out that value they agreed with from start day.
others will only pay you market value, which could be 5k less at time of loss, or 15k!
Thats what agreed value is.