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Originally Posted by David Harville
Definitely to the first part. As for the second, it's not really a "special rate", it's just that you'll drop all coverages except comprehensive. You don't need liability coverages or collision coverage if your car is inside a covered building.
Well it's definately not a full rate - so why split hairs?
Homeowners insurance does NOT cover cars inside a garage.
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Allstate does, or at least my policy/agent does. If you have coverage on the car - then any claims will go to that policy first - but with no other coverage it is covered just like any other "contents" of your home. Talk to your agent to be sure.