Since no one has answered you yet, you can search the engine using the word "declared" and get many previous threads.
But main gist: I recommend declaring the value to be the price you would have to pay to buy a card in the same raw condition on the open market (raw replacement value). If you are always pricing in a PSA 9 or PSA 10, you'll be WAAAAY overestimating the values of your cards, and paying a ridiculous sum to submit to PSA. If you happen to get a card value drastically (like nearly double the declared limit for the service level), then PSA will contact you and upcharge you to a higher grouping.
Most modern card submitters use a PSA 8 or PSA 9 price as the declared value for a raw card.
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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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