@ddreww If the insurance company you're working with does what
@Needsdecaf 's did, make sure you let them know that your car was a Model 3 Performance. For the 2020 model year, that really is what your car
is; the stealth was a version of the Model 3 Performance. While it could be argued that previous model years "stealth" cars could have been considered a version of the LR AWD (They just added a bit to the LR AWD price to get you a "stealth" performance), the 2020 model year was different, in that you paid the full Performance price, and the option to turn your car into a "stealth" Performance was done
by selecting options from the Performance configuration page. That was how it was done for the short period of time that you could actually order a stealth performance off of Tesla's car configurator.
Don't muddy the waters with your insurance company by trying to explain the differences between your car, a LR AWD, and a "regular" Performance. Your car is a Model 3 Performance, period.