Insurance Co. says car must be in a locked garage

"Book value" on my satellite is 14-20K.

I've got about 8 (OK, 10 including the new paint job being finished up right now) in it and could replace it for that book value figure if necessary.

...but we just paid cash for a 2020 Hyundai Kona with funds from that rainy day fund we maintain with the savings on the insurance premiums vs full coverage and/or low deductible coverage on all our vehicles and real estate policies.

In fact we got into a huge argument with the sales manager at the first dealership we went to because he could not understand why anyone would not want full coverage on a new vehicle or why anyone would want to pay cash when we "could be using our money to make more interest than their finance charge" and that he had "diversified investments making double digit income".

He A- never understood that the 20K in cash we had in a box in front of him was basically from our "petty cash slush fund" and not our life savings, B- didn't understand that you don't get to 850 credit rating by making poor financial decisions (we've had several banks and others tell us they've never actually seen an 850 FICO until us), C- obviously hadn't checked his diversified fund balance sheet lately (double digit income is pretty difficult from a fund, and has been for some time), D- never asked what investments we had (I can almost guarantee we are doing better than that doofus financially), and E- should not be concerned where the money comes from or what a cash customer does with their money other than give it to him (which we did not).

My wife and I both come from borderline extreme poverty but have managed to use very creative "outside the box" financial strategies to improve our situation throughout our lives.