Funny, I’ve asked this exact question multiple times, and the answer I always get is that you just get fucked. You pay full price for the first vehicle, and then 90% of full price for every extra one.
Maybe it’s Georgia? I carry the minimum for the state (Liability + Collision), but then bump the Liability because I now live in a high cost of living area. So if I’m in a wreck, I get nothing, but the other guy gets a nice check for his car and his medical bills are covered.
My car insurance would be WAY cheaper for me to just drive one of my shitboxes 100% of the time than it is to split my mileage across four vehicles. But I make it up by being pretty handy. When one of them breaks, I have multiple other cars to drive while I wait for parts in the mail. So I’d still say I come out slightly ahead as far as costs go, but most of my ‘savings’ go straight to the insurance company.
Maybe 10 or so years ago, was a real push to convert old malls into apartments or low income housing. Turns out it’s not that easy. Those buildings were built with minimal plumbing, just a few public restrooms and limited water service for the food court. There’s just not enough water/sewer to supply more than a small handful of apartments. You’d have to tear up significant portions of the building to run all new plumbing for all the kitchens & bathrooms. And that assumes the underlying city infrastructure that runs to the mall could even support the new water & sewage demands in the first place.
I’ll grant you, it is a cool idea. It’s just not nearly as simple as it sounds.