[Fat Charlie]

So you're happy to pay the premium based on it being a 15 year old Prius with a ton of miles, but you want the insurance company to pay out something higher because you've maintained it.

If you simply insure it like a regular car, you get market value for... a regular car of that year, mileage and condition. If you want to insure it at a higher value, you can deal with the insurance company, get it inspected to make your case for insuring it at a higher amount, and pay a higher rate. Generally not worth doing that unless it's a collectible.