You keep full coverage on an '86? You're probably right about totaling it, and I think Fred is pretty close, although if it's in exceptionally great shape, you can haggle with them for more. I just checked KBB, and they also only go back to 1988. I would say for a rough estimate, take the difference in value between a 1988 and a 1990 Camry. Whatever the difference is, subtract that amount from the value of the 1988. I recon that will get you somewhat close.
2011 Regular Cab, 4x4 Auto, N-Fab step bars, Satoshi grille, OEM fog lights, Extang Trifecta cover (list growing, check back often!)