Ahhh ok I see! I just did my quote online and the automatic agreed amount that came in was about $10,000 over what I bought it for. Maybe they do that to allow for modifications?? Mine doesn't have any (YET) so I just knocked the agreed price down to what I paid for it and it reduced the premium. I'd say perhaps if they have no idea about where the power is measured etc it will be mostly cosmetic mods as howlfactor said?