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PeterP=> Ok top this: $160/year => Insured: '66 Square => Coverage: Liability only, less than 10,000 mi/year, "not for => work", 2nd car, over 25, married Insured: '59 Studebaker Silver Hawk Coverage: 100/300 comp, full glass, stated value ($10K) Conditions: Less than 2500m/yr, locked garage, over 40, married Price: $114/year (quote from independent agent, carrier unidentified but probably JC Taylor) I didn't take it (yet). If you live anywhere west of the Mississippi and drive to two out-of-town shows, you're over that limit. Insure it but not drive it? Catch-22. Not to quibble too much, but by driving with only the legal minimums you're insuring other people, not yourself. Congrats on the refund, though, that's a new one on me. Steven Ayres, Prescott AZ (Currently insuring four cars)