Fab - I use Liberty Mutual, SF Bay Area as you know. They also cover my primary home and rental houses and provide a liability umbrella, so I get a fairly integrated set of policies. They cover 7 of my 12 cars on two separate policies. The Karma is on a "manual" policy with two others than are not "normal" cars in their system. Anyway, the Karma costs $924 for one year ($412 Collision, $264 Liability, $166 Comp, $82 Medical and uninsured motorists) with a $1000 deductible and expected mileage under 6000 miles per year. It is listed as "excess vehicle", aka, not my primary vehicle. I'm 52 years old with no accidents or tickets.