Liberty Mutual Insurance Company will write a stated amount policy regardless
of the year of the vehicle. But you really don't need a stated amount policy
since the standard policy covers actual cash value. If you can prove the
value of the car at the time of loss, then that is what the insurance company
is required to pay. Just be sure that you 1) maintain a recent appraisal of
the vehicle (at least annually) and 2) you have the agent record the fact
that you presented proof at the time the policy was written that it was
valued higher than a standard 19XX vehicle (so it doesn't look like you were
trying to get over on anybody). Remember, with stated amount, the insurance
company will pay the lowest of the three: actual cash value, replacement cost
or the amount of the stated value on the policy.
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