I want to maximize my automobile insurance. I have a 1994 ford
aerostar with 77,000 miles on it that we use for a few long trips a
year but mostly for local trips. We ( also ) have a 2000 daewoo lanos
with 23,000 miles that is only driven in lexington ky. by my wife.
Both auto insurance policies are up for renewal in a couple of months
and I want what could best be described as " reasonable coverage "
considering the age of these cars and the fact that the daewoo is
totally local and the aerostar is almost totally local. What is a
reasonable coverage for both vehicldes?

There are so many variables when it comes to auto insurance that noone
could get a reasonable answer to this besides you calling companies
directly.  Some of the important variables that can cause great
differences in your quotes are: driving history, your credit score, #
and amount of previous claims, your age, your residence, where your
cars are kept, deductibles, etc. If you have homeowner's insurance,
you can often get a discount by having your cars with the same
company.  Otherwise, you may want to call AllState, State Farm,
Progressive, GEICO, Liberty Mutual to get a good idea of what
"reasonable" coverage will cost you.