Simply stated, the multi-car /vehicle add-on discount is offered to those drivers who insure all of their vehicles (a couple of) with one insurance carrier. Those who insure their cars, vans, pickups, mobile homes, snowmobiles, trailers, and campers with the same company like a discount of around 40 percent than these who insure their vehicles separately. The only exception to this rule is the fact that motorcycles, mopeds, dune buggies, and motor scooters aren’t classified as private passenger vehicles but rather as separate entities and should be insured with their own individual policies without receiving the benefit of the 20 percent discount.
I came across these shocking conditions inside my first years as an insurance agent and since then have devoted myself exclusively to helping the forgotten and bewildered car insurance policyholder. As an example, one case I handled concerning a twenty-two-year-old mother who was simply paying $700 annually by being classified as under twenty-five and unmarried. I used to be able to insure her at a lower price.
I had another case when a twenty-six- year-old married man was being billed for $980 per year simply because he’d received one minor moving violation in his entire driving lifetime. After reviewing his situation, I used to be able to reduce his premium by 50 percent!
Then there was the case of your senior citizen who stood a perfect record but was told through click here his representative that his auto insurance company was no longer doing business in New York. He was informed he had to be placed in the assigned risk pool, that doubled his premium. I was able to rescue poor people man from this fraudulent scheme and that he regained his original rate.
Even when one is fortunate enough not to be victimized as in the preceding cases, at any time, and in a geographic area, even under identical circumstances along with identical coverages, the automobile insurance rates among insurance firms can vary tremendously. For instance, if you check around for auto quotes from companies A, B, C, and D, you’ll be shocked to discover that although company A’s rates are $800 a year, company B’s $650 and company C’s $750, while company D has the lowest rate with only a $600-a-year premium.