Well on my insurance its actually cheaper with 2 cars. I have my 95 teg on there full coverage and still have my 92 teg since I just sold it and I only pay $93 a month for both. They told me with just the 95 I'll be paying $18 more a month. Its the multi-car discount I guess. I've never got a speeding ticket (knock on wood) and never been in an accident so thats why its so low.