If you want actual value you are going to need to prove the value. Find an appraiser that is familiar with Bronco values (easier than it used to be) once you have that, then you can have a real conversation with an insurance company.
We have seven insured through State Farm, they allowed us "agreed value" on the junk, but they needed an appraisal for anything over their limit of "agreed value" (IIRC was 18k).