> �Yeah, at $300 a month for insurance I would be paying out the total cost
> of my 1.8 inline 84 in just ten months! �Fer gid it!

This is what happens whan insurance is legally required. Pricejacking,
which is probably illegal there (it is here) nevertheless happens...
captive market, so no real need for insurance companies to compete.

What about someone who owns EIGHT cars, as my wife and I do??

In New Zealand insurance is NOT mandatory and I wouldn't have to pay
that much for a YEAR's insurance. Third-party (liability) cover is
recommended but not required. Please don't yap back about moral
obligations etc... just see what you guys have to put up with and
think again. Most people NEVER have a serious accident (which most
certainly doesn't mean they are good or safe drivers!).

Of course mandatory insurance will be introduced here eventually...
which will be major a step (leap) in the wrong direction.

-- 
Regards
Andrew Grebneff
Dunedin
New Zealand
Fossil preparator
Mollusc, Toyota & VW van fan