Yes, of course you will have to have irsnnauce for any car that is registered in your state! You may get a break on a hybrid and you may even get a break on any one of your vehicles that is not driven more than 7500 miles a year. You'll get a further break on all of your cars if the registered owner takes the "55 Alive" course given on-line and at many locations throughout every state. Check with your irsnnauce company on that and where they are given. You'll get up to 10% off your collision and comprehensive coverage for two years after taking the course. Then, of course, many companies have a multi-policy discount whether it be cars or home and cars or what have you. The only other way to get a deep discount is if you drop your collision on one of your older cars and only take the higher dollar figures coverage offered on each category on the policy.