Auto and Car Insurance

How does "replacement cost" insurance work? I have a 25 yr old harley davidson, and the insurance says full coverage will pay what the county values it at on your tag fee. (like, 800$) I also have a 67 chevy van that is valued at 300$ by the county. Obviously, full coverage is not intended to cover antique vehicles, as the annual premiums are far more than they want to give you should something happen. So what kind of insurance do you need to "make you whole" again? or, pay the true worth of your vehicles should you be hit by someone or your vehicle stolen?

If you are restoring a car do you have to carry insurance on the car in the state of Illinois? Also does anyone know how old your car has to be to be licensed as an antique vehicle or what the requirements are?