they have prices of fenders and bumpers and other car parts they add the price up and then look in another book of what prices auto body charge to replace if its over price of what cars cost is they total
Try getting an online insurance quote It’s free and generally hassle free.
Good Luck.
Perhaps You could google it first ,nonetheles, if you perfer some direct resource ,here might be your choice.
21st century has a decent track record, so i wouldnt be suprised if they would insure you pretty good. On top of that it realy really depends on your insurance, cuz i am not sure exactly what your insurance policy is.