Jrpontiac, Thanks for the stipulation explanation... that was a big help.
Will see if I can find something with mileage limitations and agreed value. I'm more concerned with being hit by an uninsured driver (epidemic here in TX) or Mabel being stolen. (not that a lot of people know how to drive manual transmissions these days!)
Might have to bite the bullet and just pay high 'regular' rates again for a 'daily driver'.
Mabel's mom