Our Ins Co. covers our '64, no problem. The rate is low because it is not driven much and we carry high deductibles on it. Now, if we want the SPECIAL rate (they call it "Chrome Car"), we have to certify that it is garaged. B&T Roddick, Port Orchard, WA 1964 Imperial Crown (project) 1972 'Cuda 340 (Tami's toy) 1995 Concorde 1988