I used to live, and grew up in, another state. it was always my dream to have a reliable commuter, and to have a second or third vehicle as something I liked - some form of collectible, fun or useful vehicle. This state's insurance policies just doesn't allow it. Now... motorcycles... motorcycles that aren't expected to have insurance on them from a finance company are under NO OBLIGATION to have even liability insurance on them at all in this state. so I have two motorcycles.