car insurance valuation

Insurance on a cat d car, see below.?

I would like to ensure a car is a CAT-D (if you do not know what a CAT D is then the door on your way out if you like) I was wondering if I have car insurance, how the insurance company how much my car is actually worth I know it will be cheaper than a couple of big cat does not D, but how can they be evaluated? Since I do not want to pay the cost of insurance each month, recognize and then when I hacked etc only get a fraction of what it is, and there is a specific insurance company would rather my car be insured?

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