I'm actually a future insurance agent. I'm going to school in a few weeks... One thing I can say now is, you may want to get the best insurance you can, meaning, don't go the cheapest route. In insurance, you pay for what you get. With a car of the 300D's age, it may even be worth getting Classic Car Inurance, I know some companies like Grundy and Eastwood have "agreed value" clauses with unlimited milage in some instances. I'm not sure if you can get this with a 20 year old car... I do know this, Chubb (one of the more premium insurance brands) is a great company. When my car got hit, totally wasn't even a thought. Granted, it was a just a fender, but to fix the fender, it was about what the car's Blue Book was. Just some info to think about.