[HoovDaddy]

I usually check annually with all the classic coverage companies I can find and they are all very close to each other. Not enough difference to sway me from my current provider.

Rates vary with each state and zip code within the state. Michigan has the highest rates in the country. PIP coverage is optional or mandatory in some states. Insurance rates with historic registration are generally cheaper than standard or correct year registration. The amount of other liability coverage you feel you need varies. Deductibles, options, etc.

I say you need to be well protected now more than ever. Especially if you're surrounded by distracted drivers. I relate it to the new Equinox TV commercial promoting active braking, where the couple almost rear ends a truck, but the active braking saved the day. This and blind spot detection just shows that you don't need to be a good driver anymore.