If I own 2 vehicles and am the only driver, I can only drive one of them at a time. Why then, must each vehicle be insured (liability only) that basically doubles my premium? If I'm driving one, I certainly can cause no personal or property damage with the other. And, I'm still only driving the same amount of time/same amount of miles. Is there someone that can honestly explain this insurance phenomona to me that makes any sense other than the insurance companies making money? This is in the state of MN... and this is exactly what insurance is doing to me.