I pay $120/mo for automotive insurance covering myself, fiancee, and one adult child. Most of my old stuff is only of value to me, so liability and uninsured/underinsured only on them. You can only drive one at a time, so the incrementals don't change things by much. The real killer is registration and things like oil changes. Other than the cars, my only possessions of any value are watches and firearms and both are properly secured when they aren't on my body.
