David,
I can’t address the insurance issue, but I can address the salt issue. My ‘76 spent its first 35 years in the Northeast — primarily Pennsylvania, Connecticut, and New York — the first 7 of those years as a daily driver. It was constantly bathed in salt during those winters. Yet it had virtually no rust at the recent Big Re-Paint — just the front fenders and the small box section of the trunk floor between the fuel tank and the right quarter panel. No rocker issues, no frame rail issues, no quarter panel issues, no wheel well issues, no floor issues, no nosepiece issues, no nothing. The only thing I did different from most ‘02 owners was to rinse the underneath frequently in the winter. I’d take a sh*tload of quarters to the do-it-yourself car wash and really rinse the underside, right through the winters. A little salt will not hurt an ‘02 if you rinse it off.
Below, a Reading, PA to Rochester, NY run in February 1977.
Best regards,
Steve