Kevin,
I posted my rates with State Farm Insurance last year. I pay $126.00 per
year and if I report that the car is put away for 4 monhs in he winter
(keeping only comprehensive on during that period) I get $45.00 refunded.
Therefore, my total cost is about $81.00 per year. That is for full coverage
with $400,000 liability with an "agreed upon value" of $13,000 for the car.
There are very few restrictions. I believe I'm allowed about 5,000 miles per
year.
There was much discussion on the "agreed upon value" and what a company
would really pay in the case of a total loss, so you should definitely ask a
lot of questions so that you would be totally sure of what you are buying.
Mark L.
ps. the car has to be stored in a locked garage and had to be appraised
also, I have home and 4 other cars insured with this agent, so my
rates might
be a little better
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