{"id":52452,"date":"2025-03-14T11:18:08","date_gmt":"2025-03-14T15:18:08","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=52452"},"modified":"2025-12-12T14:06:15","modified_gmt":"2025-12-12T19:06:15","slug":"how-do-car-insurance-companies-value-cars","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars","title":{"rendered":"How do car insurance companies value cars?"},"content":{"rendered":"\n<p>If your car is totaled in an accident, how much you think your car is worth isn\u2019t always what it\u2019s actually worth according to an insurance company. How do insurance companies value cars? Here\u2019s what you need to know.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#basics\">Basics of collision and comprehensive coverage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#methods\">Why do insurance companies have methods to value a car?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#totaled\">What is a \u201ctotaled\u201d car?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#happens\">What happens when a car is totaled?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#acv\">Understanding actual cash value (ACV)<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#replacement\">Replacement cost vs ACV<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#calculates\">How an insurance company calculates ACV<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#depreciates\">What to do when your car value depreciates<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#conclusion\">Conclusion<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"basics\"><h2 style=\"margin-bottom:0px;\">Basics of collision and comprehensive coverage<\/h2><\/a>\n\n\n\n<p>An insurance policy is made of several different coverages that help pay for expenses if you get into an accident. Liability coverage will help protect you if you are responsible for injuring someone or damage someone else\u2019s property. Coverage for your own vehicle is provided by collision and comprehensive coverage.<\/p>\n\n\n\n<p>These are optional coverages that help pay to repair or replace your car in the event of an accident. Collision coverage applies if your car hits or is hit by another car or stationary object, while comprehensive coverage applies for damage not related to a collision. This includes damage due to things like fire, theft, vandalism or natural disasters.<\/p>\n\n\n\n<div style=\"border:1px solid #0092D2; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\" \n background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Comprehensive coverage may cover:<\/strong><\/td><td style=\" \n background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Collision coverage may cover:<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Natural disasters and storms\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting another vehicle<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Vandalism\n<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Damage caused by another vehicle<\/td><\/tr>\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Damage caused by animals\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting a stationary object<\/td><\/tr><\/table><\/div>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"methods\"><h2 style=\"margin-bottom:0px;\">Why do insurance companies have methods to value car?<\/h2><\/a>\n\n\n\n<p>Accurately determining the value of a car is important when it comes to insurance. The insurance company uses a car\u2019s value not only to price premiums, but also to determine how much needs to be paid in the event the car is totaled. This is important to ensure that claimants are paid fairly after a loss.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"totaled\"><h2 style=\"margin-bottom:0px;\">What is a \u201ctotaled\u201d car?<\/h2><\/a>\n\n\n\n<p>A \u201ctotaled\u201d car is one that has been deemed a <a href=\"\/resources\/what-happens-when-an-insurance-company-totals-a-car\">total loss by the insurance company<\/a>. This means that the cost to repair the car is close to or more than what the car is worth. Contrary to popular belief, a totaled car is not necessarily damaged beyond repair- it just may not make financial sense to fix. A stolen car that isn\u2019t recovered is also considered a total loss.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"happens\"><h2 style=\"margin-bottom:0px;\">What happens when a car is totaled?<\/h2><\/a>\n\n\n\n<p>After you file a comprehensive or collision claim, an adjuster will review the damages to your car. After your car is appraised, your insurance company will come to you with a settlement offer.<\/p>\n\n\n\n<p>If you accept the settlement offer and the vehicle is damaged to the point of a total loss, you\u2019ll need to transfer your title to the insurance company at time of payment. They will take possession of your totaled car, and you will receive the total loss car insurance settlement.<\/p>\n\n\n\n<p>When going through your own collision or comprehensive coverage, you\u2019ll need to pay your deductible as well.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"acv\"><h2 style=\"margin-bottom:0px;\">Understanding actual cash value (ACV)<\/h2><\/a>\n\n\n\n<p>When it comes to car insurance, a policy will typically cover an insured vehicle for its actual cash value, or ACV. The ACV is basically what you could have reasonably sold your car for right before it was damaged. Car insurance will pay up to the actual cash value and no more.<\/p>\n\n\n\n<p>This value is influenced by depreciation factors such as year, make, model, ownership history, mileage and options. Since most cars depreciate quickly, the actual cash value will often be lower than what you paid for the car.<\/p>\n\n\n\n<p>The actual cash value will be used in the event of a total loss. If the cost to repair a car is close to the car\u2019s ACV, the insurance company handling the claim is likely to declare it a total loss. This repair cost not only considers the price of parts, but also labor prices.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"replacement\"><h2 style=\"margin-bottom:0px;\">Replacement cost vs ACV<\/h2><\/a>\n\n\n\n<p>A vehicle\u2019s replacement cost differs from its ACV in a few ways. The replacement cost is how much it would cost to replace the vehicle without accounting for depreciation. In most cases, the replacement cost would be how much it would cost to buy the vehicle new.<\/p>\n\n\n\n<p>Car insurance policies typically do not cover a car\u2019s replacement cost unless an endorsement or additional coverage says otherwise. Car insurance companies will almost always use a car\u2019s actual cash value to determine how much it\u2019s worth and how much to pay in the event of total loss.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"calculates\"><h2 style=\"margin-bottom:0px;\">How an insurance company calculates ACV<\/h2><\/a>\n\n\n\n<p>Insurance companies use a variety of methods to determine a car\u2019s actual cash value. An insurance company will look at depreciation factors like age, mileage, condition and repair history to calculate a car\u2019s ACV.<\/p>\n\n\n\n<p>In many cases, an insurance company will use additional adjustments to determine ACV. This may include an insurance adjuster\u2019s inspection findings, third-party appraisal software, and recent sales data for similar vehicles.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"depreciates\"><h2 style=\"margin-bottom:0px;\">What to do when your car value depreciates<\/h2><\/a>\n\n\n\n<p>Most new cars lose value the second they\u2019re driven off the dealer\u2019s lot. In some cases, this can be thousands of dollars. If you financed your car or leased it, you could owe more than what your car is worth.<\/p>\n\n\n\n<p>This can become financially significant if your new car is damaged beyond repair in a covered accident soon after purchase. Typically, lenders will require payment in full for the loss of your car. Totaling a leased vehicle does not void the lease contract.<\/p>\n\n\n\n<p>Car insurance policies will not cover a car for its replacement cost unless you carry certain optional coverages. If you carry coverage for your vehicle, consider the following coverage to help protect your investment:<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Gap insurance<\/strong><\/h3>\n\n\n\n<p>Owing money on a car header to the junkyard is not an enviable position to be in. You can protect your investment with <a href=\"\/insurance\/auto\/coverage-policy-options\/packages\">Loan\/Lease Gap coverage<\/a>. This coverage pays for the difference between what your car is worth and what you still owe on it. It can help free you from having to make payments on a car you can no longer drive.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>New car replacement coverage<\/strong><\/h3>\n\n\n\n<p>New Car Replacement coverage from Plymouth Rock can also give you peace of mind when you have a new vehicle. We will pay the cost of replacement for the same make, model and year of your car, if available, if you experience a total loss as the original owner and your car was two model years old or less at the time of the accident.<\/p>\n\n\n\n<p>Please note you can\u2019t combine Loan\/Lease Gap coverage with New Car Replacement coverage.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"conclusion\"><h2 style=\"margin-bottom:0px;\">Conclusion \u2013 How do insurance companies value cars?<\/h2><\/a>\n\n\n\n<p>An insurance company will typically use the actual cash value (ACV) to determine how much a car is worth. This value is calculated based on various factors like year, make, model, mileage and more. The ACV will be the maximum amount the insurance company will pay up to in the event of a total loss. Gap insurance or new car replacement coverage can help in cases when you owe more money than what the car was worth at the time of the accident.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance companies use a variety of methods and take into consideration several factors when it comes determine a car&#8217;s value.<\/p>\n","protected":false},"author":6,"featured_media":52466,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[],"class_list":["post-52452","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How do car insurance companies value cars? | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"Car insurance companies use a variety of methods and take into consideration several factors when it comes determine a car&#039;s value.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How do car insurance companies value cars?\" \/>\n<meta property=\"og:description\" content=\"Car insurance companies use a variety of methods and take into consideration several factors when it comes determine a car&#039;s value.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars\" \/>\n<meta property=\"og:site_name\" content=\"Plymouth Rock Assurance | Car Insurance and Home Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-12T19:06:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2025\/03\/how-ins-co-values-cars-640x350-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@plymouthrock\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars\",\"url\":\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars\",\"name\":\"How do car insurance companies value cars? | Plymouth Rock\",\"isPartOf\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2025\/03\/how-ins-co-values-cars-640x350-1.jpg\",\"datePublished\":\"2025-03-14T15:18:08+00:00\",\"dateModified\":\"2025-12-12T19:06:15+00:00\",\"description\":\"Car insurance companies use a variety of methods and take into consideration several factors when it comes determine a car's value.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#primaryimage\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2025\/03\/how-ins-co-values-cars-640x350-1.jpg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2025\/03\/how-ins-co-values-cars-640x350-1.jpg\",\"width\":640,\"height\":350,\"caption\":\"Car insurance adjuster calculating value of a car\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.plymouthrock.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Resources\",\"item\":\"https:\/\/www.plymouthrock.com\/resources\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How do car insurance companies value cars?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.plymouthrock.com\/#website\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"name\":\"Plymouth Rock Assurance | Car Insurance and Home Insurance\",\"description\":\"More than just Insurance\",\"publisher\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.plymouthrock.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\",\"name\":\"Plymouth Rock Assurance Corporation\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"Plymouth Rock Assurance Corporation\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\",\"https:\/\/x.com\/plymouthrock\",\"https:\/\/www.instagram.com\/plymouthrockassurance\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How do car insurance companies value cars? | Plymouth Rock","description":"Car insurance companies use a variety of methods and take into consideration several factors when it comes determine a car's value.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars","og_locale":"en_US","og_type":"article","og_title":"How do car insurance companies value cars?","og_description":"Car insurance companies use a variety of methods and take into consideration several factors when it comes determine a car's value.","og_url":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars","og_site_name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","article_publisher":"https:\/\/www.facebook.com\/PlymouthRockAssurance\/","article_modified_time":"2025-12-12T19:06:15+00:00","og_image":[{"width":640,"height":350,"url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2025\/03\/how-ins-co-values-cars-640x350-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@plymouthrock","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars","url":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars","name":"How do car insurance companies value cars? | Plymouth Rock","isPartOf":{"@id":"https:\/\/www.plymouthrock.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#primaryimage"},"image":{"@id":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#primaryimage"},"thumbnailUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2025\/03\/how-ins-co-values-cars-640x350-1.jpg","datePublished":"2025-03-14T15:18:08+00:00","dateModified":"2025-12-12T19:06:15+00:00","description":"Car insurance companies use a variety of methods and take into consideration several factors when it comes determine a car's value.","breadcrumb":{"@id":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#primaryimage","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2025\/03\/how-ins-co-values-cars-640x350-1.jpg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2025\/03\/how-ins-co-values-cars-640x350-1.jpg","width":640,"height":350,"caption":"Car insurance adjuster calculating value of a car"},{"@type":"BreadcrumbList","@id":"https:\/\/www.plymouthrock.com\/resources\/how-do-car-insurance-companies-value-cars#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.plymouthrock.com\/"},{"@type":"ListItem","position":2,"name":"Resources","item":"https:\/\/www.plymouthrock.com\/resources"},{"@type":"ListItem","position":3,"name":"How do car insurance companies value cars?"}]},{"@type":"WebSite","@id":"https:\/\/www.plymouthrock.com\/#website","url":"https:\/\/www.plymouthrock.com\/","name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","description":"More than just Insurance","publisher":{"@id":"https:\/\/www.plymouthrock.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.plymouthrock.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.plymouthrock.com\/#organization","name":"Plymouth Rock Assurance Corporation","url":"https:\/\/www.plymouthrock.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","width":"1024","height":"1024","caption":"Plymouth Rock Assurance Corporation"},"image":{"@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/PlymouthRockAssurance\/","https:\/\/x.com\/plymouthrock","https:\/\/www.instagram.com\/plymouthrockassurance"]}]}},"_links":{"self":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/52452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources"}],"about":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/types\/resources"}],"author":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/users\/6"}],"version-history":[{"count":1,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/52452\/revisions"}],"predecessor-version":[{"id":60050,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/52452\/revisions\/60050"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media\/52466"}],"wp:attachment":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media?parent=52452"}],"wp:term":[{"taxonomy":"products","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/products?post=52452"},{"taxonomy":"state","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/state?post=52452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}