Anony D unless your insurance company is operating by some two-toothed redneck out of his garage/barbershop, a beat up 20 year old 4WD jeep in Fuckwit, LA is worth the exact same as a beat up 20 year old 4WD jeep in Whogivesashit, WI. The insurance company has a national number that ignores your supposed knowledge of the local market.