Unraveling the Maze of Auto Insurance, 

I have been studying my insurance, but mostly auto insurance since it costs so much. I am trying to cut cost without cutting coverage for what I need which is a problem. My car is old but a wonderful car, and there seems to be a big gap between what the insurance will give me and what a replacement car will cost. There also seems to be a conspiracy, collusion between the insurance, the auto appraisers, and the car shops which does not seem right or fair. I knew nothing about all of this till I studied it. Ignorance may be bliss until you get sucker punched. Does anyone have opinions or experience with this and will share it with me here?