Posted by Ron-MO on March 23, 2016 at 08:56:18 from (108.171.131.170):
In Reply to: Speaking of rip offs posted by jayinny on March 22, 2016 at 22:50:59:
I agree, liability portion should be only one time, not for each vehicle you own, and you can only drive one at a time anyhow. Good example is my daily drive is liability only insured, yet I also pay liability on a newer truck that sits over 90% of the time in my garage. Pretty sweet deal for my insurance company since there is very little risk of it damaging anyone elses property. At one time, I had an older muscle car that was not driven during the winter months, and I actually dropped liability coverage during the winter, then reinstated in the spring, and kept a stated value coverage on it all year. I recall I had to switch companies to get that coverage, and it was really fairly inexpensive in comparison to regular comprehensive coverage. Might be a good option if a vehicle is paid for, as the lenders want to see that comp coverage on their vehicles. No doubt, insurance is a huge rip-off to most, but especially those who own lower mileage older vehicles carrying full coverage insurance. You literally pay for the vehicle in their rates in a short time, then if you do total the vehicle they want to pay what amounts to scrap price for it.
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