I got married last weekend and we decided to move my wife and her daughters policy (cars) to my Liberty Mutual policy. I was paying $1200 a year on the Pathy, adding a 02 2WD Exploder and an 02 Escort (16 year old driver) bumped my to $3700 a year!

I almost fell over.

We called Lisa's insurance agent at Tennessee Farm Bureau. EQUAL coverage including equal deductibles: $2300 a year.

I'll be calling them about 'rider' coverage next week. Maybe they have a different guideline than Liberty and hopefully its cheaper too.