Auto insurance....question.

[black99lightnin]

Back story, I currently have 4 cars on my regular auto policy. The hellcat and ctsv are on collector insurance. Here’s the question. I now have a company car so I sold my 13 mb e350. I go online and remove that car from the policy. I click finish changes and poof my insurance goes up $177 every six months? I phone the insurance company and I’m told this is due to loosing a portion of my multi car discount? So I canceled changes and gave left that car on for the time being. What kind of insurance nonsense is it costs more to insure three cars instead of four.


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[Pribilof]

Lol that's insane. What insurance company? Might be time to shop around.

 

[DSG2003Mach1]

because insurance, for the most part, is bullshit. Time to go shopping

 

[1996slowbra]

Back story, I currently have 4 cars on my regular auto policy. The hellcat and ctsv are on collector insurance. Here’s the question. I now have a company car so I sold my 13 mb e350. I go online and remove that car from the policy. I click finish changes and poof my insurance goes up $177 every six months? I phone the insurance company and I’m told this is due to loosing a portion of my multi car discount? So I canceled changes and gave left that car on for the time being. What kind of insurance nonsense is it costs more to insure three cars instead of four.


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You have two separate policies for your nice cars and your DD? It might be cheaper to package them together. I saved $400 a year when I added my cobra to my policy on top of the Fiesta.

 

[jpro]

Back story, I currently have 4 cars on my regular auto policy. The hellcat and ctsv are on collector insurance. Here’s the question. I now have a company car so I sold my 13 mb e350. I go online and remove that car from the policy. I click finish changes and poof my insurance goes up $177 every six months? I phone the insurance company and I’m told this is due to loosing a portion of my multi car discount? So I canceled changes and gave left that car on for the time being. What kind of insurance nonsense is it costs more to insure three cars instead of four.


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Never thought this would be possible. Completely insane. I'm not amazed though, as the world today is a crazy place. Insure a matchbox car of the mb and tell the insurance company it identifies as a real car. Poof! Money saved!

 

[SHOdown220]

Back when I had my mustang I bought a beater civic daily to drive and my insurance went down because of the multi car discount. When the civic was totaled I ended up leaving it on there forever since my insurance was cheaper.

 

[03Sssnake]

I think most insurance companies pull this stunt. USAA has done that to me, liberty mutual as well. I now use our neighbor who has their own insurance agency, they deal with several insurance companies. I got a pretty good deal with insuring our cars thru allstate...threw the 99 fboat on collectors insurance for 230 a year, 6K miles allowed.

 

[black99lightnin]

Lol that's insane. What insurance company? Might be time to shop around.

Esurance. With a 19 and 20 year old sons on my policy it gets real expensive.


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[black99lightnin]

You have two separate policies for your nice cars and your DD? It might be cheaper to package them together. I saved $400 a year when I added my cobra to my policy on top of the Fiesta.

Had progressive with the hellcat and the other vehicles. Was paying $4500 every 6. 19 yo had a no fault accident with the mustang($5000 damage). Rate went to $9000 every 6. Changed to esurance and put hc on collector.


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[Blown 89]

American Family does that too. When I removed my wife from the plan mine shot through the roof. I asked why and she said it was because I lost the multi-car discount and from a speeding (9 over) ticket 3 years ago that I took the state course to eliminate from my record but somehow they found out about anyway. Insurance is a ****ing scam.

It also went up because someone egged my car and someone hit my parked car while I was inside the store. Neither my fault obviously since I wasn't even in the car. I really wish consumers had leverage over these blood suckers.

 

[jmsa540]

Esurance. With a 19 and 20 year old sons on my policy it gets real expensive.


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Esurance?

Yuck.

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[CV355]

Most of them do that.

I *may* have conveniently "forgotten" to take a car off my policy one time because the discount was steep to have it there.

 

[03cobra#694]

I think most insurance companies pull this stunt. USAA has done that to me, liberty mutual as well. I now use our neighbor who has their own insurance agency, they deal with several insurance companies. I got a pretty good deal with insuring our cars thru allstate...threw the 99 fboat on collectors insurance for 230 a year, 6K miles allowed.

This, my middle kid does insurance. He shops all the time for rates. Does my homeowners too. Those bastards will jack you unless y’all pay attention.

 

[Pribilof]

I use Acuity. Mutually owned. No advertising. Very happy with my rate and service but you have to buy the policy through an agent.

 

[jeffh81]

Usaa had me take out some policy for jewelry and stuff. I paid 14$ every 6 months but they discount my policy 50$ every 6 months. Insurance is just weird

 

[jmsa540]

Usaa had me take out some policy for jewelry and stuff. I paid 14$ every 6 months but they discount my policy 50$ every 6 months. Insurance is just weird

Usaa is great

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[jeffh81]

Usaa is great

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Oh they are that. They had jumped my rates up once because of a different classification system but haven’t had an issue yet. Of course i never claim anything unless it’s absolutely necessary

 

[buffalosoldier]

I shop all my insurance every year. Some years I stay put, some years I move it.

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[Coiled03]

Sounds pretty typical for modern insurance. They get you to bundle everything to "save money". Then, when you ask to un-bundle, they make it painful and hope you won't make the effort to shop around.

 

[black92]

We have had State Farm for almost 15 years and shopping around, I can save about $450 a year (auto and home combined) switching to Farmers that has better coverage. So, I'm going in tomorrow to do just that.