If your insurance QuotesChimp tells you they want to total your damaged car, don't just roll over when they tell you how little they think your car is worth. Look in the Kelly Blue site, which should be at your local library, and in your local paper at the classified ads to see what cars like yours are selling for. It will often be more than the company wanted to pay. This proof of value may carry the day if you present it to the com�pany. Also, if your car includes extra equipment, such as a valuable stereo system, air conditioning, special tires, etc., be sure to let them know. It can add to the value of your car when the company "totals" it. Some companies will sell you an endorsement that will add a benefit requiring the company to pay for a new car if the covered car must be totaled.