To be short the vehicle is a 2007 Elise type 72 D. I have Usaa insurance in Washington State but I just moved to New Jersey. The insurance in NJ: Usaa insurance will be around $400 a month and I called Geico which is around $180 a month for the same coverage. The only issue I am thinking about is why Geico is so much cheaper for the same coverage as Usaa? Also, Another ?, Geico said for the lotus if it was totaled out for an accident it would be the true market value of the vehicle that is the same as other insurance companies like they generate a report of three alike vehicles around your area plus taxes and theings like that. I am just being careful so if something does happen I will not be f-uped if a claim has to be filed. Thank you for your time inputs and thoughts. On another note in WA I was paying around $124 a month and Usaa insurance stated the insurance is more in NJ due to the state and fixing the vehicle. Sorry again I am just asking questions to reinsure myself of completing the switch.