My husband owns a DeLeorean, and I work for Allstate (in Texas). The questions regarding insurance have been brought to my attention, so I wanted to make a few comments. First of all, insurance varies by state as each state is regulated by its own Board of Insurance. In Texas, cars that have been involved in a loss (whether it be an accident, total loss or what have you), are paid out on an "actual cash value" basis -- that is the value of the car at the time of the loss. I suggest that all owners of "special/classic, etc" cars maintain pictures, all maintanence records and anything else that could be valueable when it comes to an insurance claim. Insurance companies do maintain "unacceptable vehicle" lists of which most have DeLoreans on them. When a person wants to insure one of these vehicles they normally pay a higher premium, there are exceptions -- if there are no under age drivers in the household, no claims/tickets/accidents in the last 39 months and how long a person has been insured by that particular company. We have our auto and home insurance through Allstate and have had these policies for 2 1/2 years. On our auto policy we have 2 1998 Mustangs and my husbands 1982 DeLorean. We have a $200 Comp/Collision deductible and pay $324/6 months for the D. -- hope this helps! any questions can be e-mailed directly to Police6627@xxxx -- attn. ANGIE vin 11288, Sugar Land, Texas