Wickey, congrats on the new aquisition, I hope you get years of trouble-free enjoyment from it,as far as insurance, Ive got whats referred to as recreational car coverage on my Firebird. Im limited to 7500 miles a year, but its full coverage and replacement value is 12K "with approved appraisal" for about 500.00 a year w/Allstate. Im listed as the ONLY driver. Someday I hope to have a few more toys, but we gotta have goals again, Good Luck with your Volvo. Mike