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I think they are also figuring that no one is going to get full coverage insurance on their rusty beater, there for they only have "good" and "excellent" as condition choices, I move to a year newer, put in the miles I have and a rusty beater Civic VX is worth $75... now ANYONE on here would pay that much for even a beater of a VX but that is how their value figures go, with the miles my car has, if it was 19 years old it would be worth around $1,400... cars in the same condition are selling for $4,000+ on Ebay with the same miles so I don't think the NADA values are that far off and at 20 years old the fact that they drop the discounted value for the number of miles seems more fair... sure a Civic VX with 10,000 miles is going to sell for more but not that much more!
But at 20 years old I can get collector plates that never expire and sometimes collector insurance that is cheaper and again, but with both of those I am required to have a 'regular main vehicle' and if I have full coverage I would think that they would hope that I'm not out hill jumping or mud bogging on the weekends with it.
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