Here in Arizona all of my policies are Replacement Cost Value (RCV) instead of the loser ACV ( Actual Cost Value ). Insurance companies usually write policies at ACV rates. Many consumers don't realize the difference until it's too late.I need to find an insurance company that will insure for actual replacement value. Does no good to pay for insurance for a $50K+ vehicle that only books out (in their book) for $15K replacement value once it’s stolen/totaled. It’s a complete waste of money. I’d rather take my chances than throw my money out the window to billionaires.