I just got a 1991 Sunrader and the blue book is far less than the actual market value. I actually haven't done any work to it, but it is in excellent condition. I haven't gotten insurance yet, because I haven't wanted to deal with the "negotiated value" hassle. If I haven't done any improvements, how else can I get the negotiated value up so it is more comparable with how much it would actually cost to replace my Sunrader if got totaled??