Anyone Have Non-Daily Driver Insurance??
#1
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Anyone Have Non-Daily Driver Insurance??
I have been told from a few people that I would be able to get Non-DD insurance somewhere. I don't drive my car as much since I bought a Daily Driver. My car is stored most weeks, and if I do drive it it's only like 30 miles on the weekend. I still need to have full coverage since I still have to make payments on it for a few more months. If anyone has any input, fell free to share. Thanks.
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USAA is only for military and there dependants. it is usually much cheaper than most. for the t/a my insurance was 300 every 6 months cheaper. but like i said, its only for military.
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my dad is a veteran... maybe he can get USAA??
i only put 3-5k a year on my car as my DD. 3800 so far for the 1st year. he puts about 14k a year on his truck. i dont have full coverage though.
i only put 3-5k a year on my car as my DD. 3800 so far for the 1st year. he puts about 14k a year on his truck. i dont have full coverage though.
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When I first went to get insurance on my camaro it was set up as my primary vehicle because I hadn't gotten my DD back yet. My insurance was $1400 every 6 months for full coverage on the camaro. As soon as I got my DD back, less than a month after I got insurance on my camaro I put insurance on my DD and changed the policy on my camaro to a pleasure car. My insurance went from $1400 every 6 months to $361 every 6 months. Thats still the same coverage, the only differance is the pleasure car status, so just doing that saved me $2200 a year. They told me I "can't" drive the car more than 5k a year now, but what they don't know won't hurt. At the rate I'm going my car may only get 2k on it total this year. I've had it 2 months and only drove it 300 miles beside the road trips it's taken.
I've got mine through State Farm BTW.
I've got mine through State Farm BTW.
Last edited by slw ls1; 01-03-2007 at 12:01 AM.
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I have mine with Hagerity, it has to be stored on our property everynight, in a locked garage. like 2,000 miles a year which is about what I'll put on it for $500 a yr. I pray to god it stays there. If I put it on the insurance my trucks on, it was well over $3,000 a yr
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Insurance
All-State does the same for mine. I have full coverage on the SS and liabilty on my DD (ford ranger). The SS by itself was going to run me close to 3000/year but with the ranger it is only about 1300/year for both.
I told them the ranger was my primary vehicle and the camaro was secondary vehicle that I drove mostly on the weekends. I don't recall them putting any restrictions on miles driven per year.
Check out All-State Insurance, they are located just about everywhere.
I told them the ranger was my primary vehicle and the camaro was secondary vehicle that I drove mostly on the weekends. I don't recall them putting any restrictions on miles driven per year.
Check out All-State Insurance, they are located just about everywhere.
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Originally Posted by thingthatgoes
yup, having a beater saved me 300 a year. I pay less for 2 cars than I would for 1 car just because of that.
T/A alone full cover 3200,
T/A full, beater liability only 2900 total.
T/A alone full cover 3200,
T/A full, beater liability only 2900 total.
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My insurance company doesn't even check mileage on the car? I have the trans am set as what they call a "recreational vehicle" and I have an integra as my primary. I use Farmers Insurance Group, When I first put the vehicle on there as my only car, my premium was $236 a month, I changed it to a recreational(with full coverage), added my integra(with only liability) as my primary vehicle, my monthly premium for BOTH cars is $191.61 a month. So I pay almost $50 less and I have 2 vehicles on it instead of 1.
When I first bought the car I had State Farm, with it as my primary vehicle, on my parents policy(which has like 5 cars on it), my MONTHLY premium was $365 a month, that's more then my damn car payment! I got my own policy very quickly .
By the way i'm 19, have 3 speeding tickets(1 was dropped off with defensive driving, these were all when I was 16 by the way), and have been in 1 accident(got rearended by someone not paying attention).
When I first bought the car I had State Farm, with it as my primary vehicle, on my parents policy(which has like 5 cars on it), my MONTHLY premium was $365 a month, that's more then my damn car payment! I got my own policy very quickly .
By the way i'm 19, have 3 speeding tickets(1 was dropped off with defensive driving, these were all when I was 16 by the way), and have been in 1 accident(got rearended by someone not paying attention).
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yet another insurance thread which makes me hate paying NJ rates. even on a family policy, for another year, and listed as a pleasure vehicle, the TA alone is still around 3K a year. plus my 05 colorado, brings it over 4k/yr. yet my 78 TA, on classic insurance, is $190/yr, full coverage.
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Originally Posted by EchoMirage
yet another insurance thread which makes me hate paying NJ rates. even on a family policy, for another year, and listed as a pleasure vehicle, the TA alone is still around 3K a year. plus my 05 colorado, brings it over 4k/yr. yet my 78 TA, on classic insurance, is $190/yr, full coverage.