Hi Ray,

I use Garden City Insurance in Montana ( Kieth Nelson
866.444.1084) They are familiar w/ the Prevost. I have a '97 Liberty that is insured for replacement cost (equal to what the purchase price was). Policy runs $1440 a year. Call Keith as he is pretty knowledgeable and I'm sure can answer your question about the 2nd driver.

Good Luck

MangoMan