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After posting I just called insurance to see rates and you're right. They don't care. My company just wants an appraiser to give a cash value v appraisal value of vehicle which is replacement cost factored into policy minus a 200 deductible. So it looks like engine size won't play into hidden...

Looking to buy a '71-'74 Charger in decent running condition and running into a decision problem. My preference would be a 383/400 setup, but seems like every car I find (other than being bought out from under me) is a 318 or 440. Now, I really don't want a 440 because of insurance and MPG...