What the DMV calls the car doesn't effect what the insurance company does, since you are going to be making a declaration to the insurance company for value and sending pictures. When you have a loss, that is what is going to determine what the insurance company pays you, not what is on the title. Now, if you "cheat" the insurance company by calling it a station wagon for the lower rate, then you are going to loose big time. When you make a misrepresentation to the insurance company, they don't have to pay anything. This is usually in the fine print of the policy. Every state and every insurance company is different, so check with your insurance representative. For my AAA towing and roadside service, I have my cars covered, since I have a "recreational motor home vehicle" membership. It is more expensive, but they don't give me a hard time if it needs to be towed. I just describe it as a 8000 pound 21 foot long motor home with red lights and siren... :angel: