<prompt> Human: I have a 2007 Prius. If it were totaled tomorrow, Id probably go out and buy a 2014 Prius. Im guessing thatd be at least 15k more than the cash value of my insurance reimbursement. Is there any way to get extra car insurance for an upgrade in event of totaling? I get theres moral hazard, but I really want my current car to last as long as possible and would rather be aggressively paying down student loans rather than have an extra 15k sitting around as whats effectively personal car insurance. Any ideas? Geico already told me they flat out dont do that.  <response>: No insurance company will do that other than if you have GAP insurance to cover the difference between actual cash value of the car and the loan balance if there is one. Source: me. Insurance product manager 