What is the value of your 1995 v6 3.0 Nissan Pathfinder 205788kl manual trans plus sunroof and power everything although the cluch needs to be changed?

ask kelley blue book American Family insurance gave me $3600.00 for mine totalled with no sunroof but good clutch, on a side note they also gave $3800 for my daughters 95 tercel base model....hmmm gave me second thoughts on buying Nissan again.