How are rare, but not classic cars valued for claims?

I have a 19 year old car. If I search AutoTrader nationwide there are 11 matches, and only 1 the same color.

KBB on the car is low but private sales seem to go for 2-3x that. There simply isn’t much data.

I think the car is worth about $20-25k. I’m afraid if anything ever happened I’d be lucky to get $13k. How should I protect myself?

The car isn’t old enough or valuable enough for most agreed value policies. Should I drop to liability($500k) and Uninsured motorists only and just save my money, knowing I’m screwed anyways?