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Does car insurance cover only one car per policy?
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Does car insurance cover only one car per policy?
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| 18/12 2013 04:56
When you buy car insurance you're asked for the VIN (vehicle identification number) of each car you want to insure. Yes, most car insurance companies cover all your cars--but you have to tell them you have these cars when you purchase the insurance. I can't tell you what the costs are--that is dependent on the type and age of each car and the number of miles you drive them every day, as well as your age, driving record and area where you live. You'd pay one fee for all your insured vehicles to any company that insured them.
| 18/12 2013 06:38
Yes, you save money on the multi car policy because of the multicar discount, that probably all insurance companies offer. Shop around, get some quotes. But buy from a nationwide company, especially if you take road trips to all parts of the country. California last year. Florida this year. New York next year. Nothing worse than to be 1000 miles from home and have a wreck and have problems because no one has even heard of your "Lloyds of Lubbock" insurance company. Forget "self insurance". Self insurance means NO insurance. True "self insurance" involves a legal staff, a loss control department and setting aside claim reserves in the form of cash. Self insurance is for Exxon, IBM and their ilk. Good Luck! and don't loan your cars to unnamed drivers. problem. problem. problem.
| 18/12 2013 04:57
Each car is insured separately. And each can be insured differently--with different deductibles, for instance. Or maybe one car is used to drive to school and another car is used to drive to work. However, its possible (and often desirable) to have all the cars insured by the same company and there will be a single policy number. For example, you can have one policy with Geico (or Allstate, or whatever) that covers multiple cars. The policy has a single number. The reason it may be better to have all cars with the same insurance company is that many give discounts for multiple cars insured. They may also give discounts if you also have your homeowner's (or renter's) insurance with them. Hope that helps.
| 18/12 2013 06:49
You only need one policy, but it's not the same fee as for only one car. You can put more than one car on the policy, but it costs more money.
| 18/12 2013 08:28
It varies by state insurance regulations.
| 18/12 2013 15:27
No, it covers every car that you list. Most insurance company can easily list up to four cars, some can list more. You do have to have each car listed, to have it covered. This is by state law - to keep the plates valid.
| 18/12 2013 09:51
Insurance companies operate a huge con trick. Even if you own 5 cars you can only be driving 1 at a time. You'll get a discount for the ones you're not driving, but as they're sitting there minding their own business they are a tiny risk. The discount you'll get is also tiny compared to the low risk the cars not being used are causing.
| 18/12 2013 09:02
Insurance "follows" the car. When you own several cars and even if you are the only driver, and you know that you cant drive all cars at the same time, since that would be impossible, IF, in an accident, then, the 1st question asked, what car was involved? Just like, you have 3 cars and only insure 2, and if by chance you were driving the 3rd and had an accident, then, if not insured, would not be covered. Most companies will give you a multi car discount to insure all vehicles. They could have only 1 policy number, but list all cars on that policy. I think it is 10% discount for 2, and could be much higher if you have 3 or more. Say, for instance, 1 car is new, so want full coverage, and the other 2 are much older, so only want liability, so your policy will be shown with each coverage you purchase for "each" car to the side, if purchased or not and at the bottom of your policy will show the total cost for all 3 cars. Hope this makes sense.
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