the value is one of the factors that determines how much of a deposit you will need to have made with your automobile association (the other being which countries you will visit). a lower value = a lower deposit, so try to get a dealer to value it as low as possible
from memory, heading in to iran requires the highest level of deposit with yur AA - this is 400% of the value. so say it is valued at $2000 - to go to iran you will need to deposit $8000 with the AA
yikes! this is heaps!
the good news is that a lot of AA's will issue an insurance policy to you, where you pay a percentage, rather than the whole value of the deposit. IIRC, ours was 2% of the deposit - so rather than paying $8000, you'd need to pay $160, which is much more doable
from memory, the deposit is refundable, while the insurance policy is not
there are then some further costs - documentation, fees etc - that you must pay the AA - I imagine that these vary from country to country
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