It seems that my State Farm agent screwed up when I called to ask about the cost of a second car. Since it seems that none of my myriad discounts apply to a second car, I'd end up paying as much for the 323i as for the M3. Gotta love that when I'm REDUCING their liability exposure. I pay $1000 per 6 months for the M3, but the 323 would ADD an additional $1100 per 6 months on top of that. No, that isn't a typo.

Anyway, I'm contemplating shopping around for new insurance companies.

First off, is there any reason that I can't have two policies with two different companies? I happen to like SF a lot apart from this, and they're pretty good about repairs. I don't particularly care about the 323, so I'm quite happy to go with a lower quality company for that car.

Second off, anyone have suggestions/recommendations?

I'm thinking about switching to Liberty Mutual, but thought I'd check and see if anyone knows whether or not they have DE exclusions.