Insurance Co. says car must be in a locked garage

I think you mean "tax hell" not "tax haven". Definition of HAVEN
I'll second that. Don't forget, it was just a few years ago that they tried to change the tax rates on our classic cars to reflect the value of what they were actually selling for for local property taxes. Not only that, but have their own value book they use to determine the tax when you register a car, regardless of what is written on the bill of sale. DAMHIK. I'll just say that for me they doubled what was stated on the bill of sale.