My fiancee' and I have USAA insurnace, and we're paying about $3K a year for the following:
2000 Lincoln LS8 -- Full Coverage (under her name)
1993 T/A -- Liability (under my name)
1993 T/A -- Liability and Comp (under her name)
1999 Celica GT -- Liability (under my name)
OH, that's in NJ also, terrible insurance rates.