[Rick Parker]

Insurance laws vary by state Steve. I can only speak for Calif. To simplify, the liability section (that pays for the others personal injury if you are at fault) would be required to be the same on all vehicles being driven that are covered by an individual policy. Property damage (the other guys car, home, bicycle, motorcycle etc, again if you're at fault). The fluctuating portion that can be in force or not is collision (on a per car basis) IE: one car may have it and the other not, same for comprehensive, towing, and some other minor coverages. The liability and Property damage portiond are covering the DRIVER not your carhence they are the same regardless of vehicle being driven. I used to suspend the collision coverage for the Winter months while the car was on jack stands in the garage and not being driven.