I'm currently discussing some different options with my agent, and I have come to the conclusion that the current insurance system makes no senses.

I have four cars to insure. 1991 Range Rover, 1985 300TDT, 1992 300D, and 1969 jaguar xke.

USAA is my current insurer and usually is the cheapest, but farmer is giving me a big discount for house and cars.

6 months rates with Farmers for Texas State mins and 500 deducible, collision on all are: 283, 300, 315, 176 respectively for the cars above.

Does that seem right to you? I figure the values for those cars are: 4k, 3k, 8k, 25k but the insurance rates don't compare to the value of the vehicles...

Also how can one justify paying 600 dollars annual of a 3,000 dollar car as is the case with my wagon?

What are the rates you guys are paying? I expect mine will be higher because Harris County here in Texas has really high uninsured motorist risk, but this seems to be ridiculous to me.