in various conditions and publishing marketing trends and forecasts collectors can use to monitor the state of the market. As a result of the variability in car values, most insurers offer Agreed Value insurance coverage for classic cars. Agreed Value coverage involves both the owner and insurance company agreeing on the car's value and insuring it for the agreed amount. This differs from the Actual Cash Value claim settlement method used in traditional auto insurance policies, which determines the claim value of the vehicle after a "total loss" or vehicle theft occurs. Condition categories To collectors and investors, a vehicle's condition rating is important, and in the United States there are two systems, the category and the points system. The category system has six categories used to rate the condition of a vehicle. The points system assigns points from 40 to 100 that correspond with the category system and below 40 there are three for other conditions. Both systems are listed together for ease of comparison: Category I, Perfect; 90 to 100 points. A vehicle is considered as good or better than the day produced. Category II, Excellent; 80 to 89 points. A vehicle in excellent original or superior restored, near-flawless condition. Category III, Fine; 70 to 79 points. A vehicle with an older restoration or an original car with minimal wear. These are considered "show quality". Category IV, Very good; 60 to 69 points. A vehicle that is in complete original condition, or possibly an older restoration, that is usually a well-cared-for daily driver. Category V, Good; 50 to 59 points. A vehicle that shows wear, needs attention or work, and needs only minor restoration, with no major flaws. Points from 40 to 59 fall into this category. Category VI, Driver; 40 to 49 points. Other categories Restorable; 30 to 39 points. This vehicle would be in need of restoration of the motor, body, interior and/or chassis. A car in this class should be more or less complete, needing some parts but requiring a tremendous amount of work to get to show quality. Partial; 20 to 29 points. This vehicle would require extensive restoration with a significant number of parts and amount of labor—a very time-consuming and costly prospect. Parts car; 10 to 19 points. This would generally be an inoperative vehicle in poor condition, kept as a source or 'donor' of spare parts. With the exception of very