Insurance laws are based on vehicle coverage rather than driver coverage. Even if each vehicle has the same make and model, each has a different VIN (Vehicle Identification Number. Although no ne else is listed as drivers, other drivers may legally drive your car with permission (e.g. lend your car to someone insured or not) and your insurer ultimately may have to pay if that driver causes damage to property or people. Other "Murphy's law" items include... your parked car rolls down a hill and hits something/someone. Rooftop parking collapses due to weight of car. Explosions....etc. You usually get a multicar discount (although it is clearly not 1/2). If it were possible to guarantee that no-one else drives the cars, that you are perfectly honest, then the premium should (in theory) be half. BUT, most full coverage covers the car, not just who drives the car.
Liability Insurance on a personal policy does not cover all vehicles owned. It covers all vehicles listed on the policy. If your state requires you to have liability insurance cards for each vehicle then a card will be given to you for each listed vehicle. In Georgia the State requires that each insurance company electronically transmit to the State Department of Motor Vehicles issuance and cancellation of all vehicles for required insurance. The Officer can take the tag number and verify that it has insurance on it that day. It works much better that I thought it would.
Liability insurance only covers damage you did to the other vehicles, property, and persons. It does not cover any damage to your vehicle or yourself. Towing your vehicle would only be required if it was damaged, so your liability insurance won't cover it (but the other person's liability might depending on the actual findings of fault).
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