Multiple Vehicle Insurance

[Alexander Leventhal]

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[ Picked text/plain from multipart/alternative ]

Bob:
FWIW, Hagerty collector car insurance charges one liability charge per poli=
cy, not per car, in keeping with your logic.  This is true in all states.  =
 However, depending on what type of cars you have you  may not qualify as "=
sport", "exotic", "antique" or "collector".   They do not insure "daily dri=
vers".

Hope this helps,

Alex

 Bob Rossato <bob.rossato at att.net> wrote:> Forgive me for posting to two li=
sts, 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




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