I have my car insured through USAA for CHEAP... like really cheap. I told them it was a 4th car in a family that has two drivers. It's vin indicates a 6 cylinder... they did not ask me what engine it had. I put special interest plates on it so I never had to tag it again (85.00). So if I want to take it to a cruise, I can do so. If I were to wreck it @ the strip, I would probably be screwed though.