Does anyone know of any places that offer cheap production insurance for low budget films, especially shorts? The places I've been calling have been quoting me more than my budget in some cases!

I was having the same problem. There are two companies that I know of that specialize in low (or even ultra-low) budget films. One is in San Francisco, though they may have just moved down or opened a branch in L.A. They’re called The Complex Corporation, but I don’t have their number handy. The other, that I’ve used on two films now, is Wildcard Productions. Their number is 818-237-5630. They’re the cheapest I’ve found and also very friendly.

I've used Wildcard as well. Excellent service, they have.