Multiple Vehicle Insurance

[Bob Rossato]

> Forgive me for posting to two lists, but based on many list members sig
> line I can see that many of you have several vehicles. I too have too
> many :o)  My question is: What are people doing for insurance? I've been
> able to find multiple car discounts (5-10%), but it seems that a
> household with 2 drivers and 6 vehicles should be able to find a cheaper
> solution for insurance on all the cars.
>
> Any recommendations?
>
> --
> Dan Cordon

I suppose it's one of those things that is dependant on the individual state
insurance laws.  I have the same situation, 1 driver and 3 registered cars.
My logic is that I can only get into one accident at the time, no matter who
hard I try, and that anybody else that I should loan a car to would be
covered by their own insurance.  Therefore I shouldn't have to pay 3 times
the liability coverage.  But my insurance company doesn't see it that way
and requires full liability coverage on each of the 3 cars to cover for
anybody else driving the car.  Their statement is that the insurance follows
the car, not the driver.  At least that is the case for CT.  I would agree
for the comprehensive portion but not the liability.  But I suppose the
argument is that I can't ensure that whoever borrows my car is insured.  So,
other than the multiple car discounts, the only other thing I was able to do
is get a reduction based on limited mileage.  One car is my primary car and
on the other two I am limited to 7500 miles a year.  I forget what the
discount was, however.  The other thing I do is suspend coverage on one of
the cars that I garage during the winter.  The comprehensive is still active
should the car get stolen, catch fire, etc., but the liability portion is
suspended.

Bob