Well, here's the thing. It's worth, what someone is willing to pay for it. So, your best bet, is to look on your local FB marketplace, auto section, and see what people are asking for the same vehicle. As for the insurance company. They will always low ball you. The only way to avoid that is, to get some classic auto insurance, and insure it for a price that you feel is reasonable but, if you wrecked it, it's to late for that. Your next best option, is to try and get parts off of a junker, and put yours back together. Then ask your self, do you want to take there offer, buy yours back, and fix it your self. The only down side to that, is no you will have a salvage title.