>        I have two vehicles fully insured in Christchurch, New Zealand and
>a '67 bus with minimum coverage in Arizona.  I pay less annually for the
>two in NZ than the crappy coverage in AZ for 6 months.  Gary Gibson

Welcome to our litigious society, Gary.

America: the land of opportunity.   ;)

Seriously, how much personal-injury coverage do you carry in NZ?
And how much collision? (Damage to your car)?