We live in a raised ranch with a 2 car garage. The duct work for the bedrooms run along the garage ceiling. They're currently covered with old fiberfill insulation with a silver covered backing. This stuff looks like it could be original to the house, I've found it behind a few walls. It's beat up, got tears in the backing. I usually have one of the garage doors open - humid outside + cold air in vents = condensation. The condensation wicks through the insulation and drips everywhere. Other than keeping the garage door closed, what's my best option to insulate the ducts? If they're properly insulated then the warm doesn't meet the cold and produce rain in the garage on the clean car, correct?

Also have the AC line running through there, the old foam wrap on that is shot as well.