PSA's declared value is what you think it would take to purchase a raw card in the same condition. If you get a grade that drastically increases the value, PSA may call/email you and require that you upgrade the service level. Say for a 1993 UD SP Jeter, you submit at the $499 level. If it grades a PSA 8, it is would likely sell for $750, and PSA will likely let it slide. If it grades a PSA 9 or 10, they'll ask you to upgrade your service level and pay the difference.
There are graded price guides that Beckett puts out, but everyone uses sale values instead.
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PWCC: The Fish Stinks From the Head
PSA: Regularly Get Cheated
BGS: Can't detect trimming on modern
SGC: Closed auto authentication business
JSA: Approved same T206 Autos before SGC
Oh, what a difference a year makes.
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