Agreed Value insurance policies guarantee that, in the event of a covered total loss, you will receive the vehicle’s full insured value, which we will agree on before the policy is written.
If you have a Stated Value policy that says that the insurance company will pay "up to" the stated amount. This means they can and have the right to depreciate the stated amount.
Actual Cash Value is seen with most big name carriers. If you have a total loss, the car will be valued by what the book says at the time of the loss.
The NCM Insurance Agency only writes Agreed Value policies. If you are unsure what the value of your car is please visit NADA to get a rough estimate.