I have Geico for insurance. The $27K was a middle of the road number I took from looking at kbb and nada. My adjuster has used to term "fair market value" so if that means possible wiggle room for me that sounds good.
I do like the Autotrader idea, my collision center suggested the same approach. They haven't made their first offer yet, not sure when that will be. Hopefully soon so we can get the ball rolling on me getting a new car. I will go ahead and start to compile a list of cars and be ready when I hear from them again.