get the professional appraisal, I am fortunate enough to have a guy that runs a local classic car place thats a friend of mine and he is a licensed appraiser. cost me $75 and the appraisal is all legit and bulletproof. I have Pekin Insurance and my guy didnt even blink on a $28K appraisal, fully unsured for that value and it cost me $90.00 for a year with a $1k deductible. I was pleased to say the least!