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  #1  
Old 02-27-2007, 08:38 AM
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Location: Mtns of Western NC, & SW FLA
Posts: 16,829
motordavid will become famous soon enoughmotordavid will become famous soon enough
Annual Vehicle Ins. Bill...

Got our annual stable full-of-vehicles insurance bill in the other day.

Not boasting or poking, but it does show what lower
premiums you might expect when: have no tix or accidents,
move to a less urban part of the country, and become a
Geezer, etc.
The cars coverage have the usual BI of $500K each occurrence
and $500K per person, PD of $100K each occurrence and the
usual comp, ACU deductible of $500, Towing, etc. Not over
the top but not el cheapo coverage, either.

The Scoots have only BI of $500K per/occurrence & PD of
$100K with no collision or theft.

Cars:
2003 Honda CR-V $366
2002 Vette Vert $378
2001 BMW X5 $396

M'Cycles:
1987 Honda Hurricane 1000
1994 Honda Gold Wing Aspencade
1990 HD SotftTail Heritage
1975 HD Superglide ...all $97 each, except for the
old '75 HD Superglide which currently sits uninsured.

We have our NC Mtn House homeowners ins. and a
$4 Mill umbrella with the same co., which we are told,
gives us a "better deal", fwiw.

So, for you 20, 30, 40 sumpins, there is light at the
end of the tunnel. Ya'll jes' hafta get old to get some
savings.

BR,mD
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Last edited by motordavid; 02-27-2007 at 10:51 AM.
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  #2  
Old 02-27-2007, 09:10 AM
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I'll be joining you in geezerville suburbia in about 2 more years and hopefully I'll reap the benefits in reduced insurance premiums. But in the meantime, my 3 teens are making my insurance company very happy. Big tip on how to keep those insurance payments low - don't have children.
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  #3  
Old 02-27-2007, 09:35 AM
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I live in NY premiums are more than double with a clean driving recorded
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Last edited by E61Silver; 02-27-2007 at 10:20 AM.
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  #4  
Old 02-27-2007, 09:40 AM
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Wait... what?
 
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My vette, tb and home owners all together cost me ~ $2100 a year for top of the line coverage from a tier 1 company (Encompass)... not bad for NJ huh?
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  #5  
Old 02-27-2007, 10:18 AM
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Look into Haggerty insurance my C5 Vert is about half what you are paying currently
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  #6  
Old 02-27-2007, 10:24 AM
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Angry Sin City

No such luck in Sin City.

No tickets or accidents,

All cars have the BI of $100K each occurrence and $50K per person

PD of $100K each occurrence and $250/$500...Comp/Coll, Towing, etc.

Cars:
1996 BMW Z3
2001 BMW X5
2001 Mazda Protege


Total for the year...$5696. Teen driver accounts for over half of the total. If you've seen the drivers in Vegas...the rates make sense. Painful nonetheless.
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  #7  
Old 02-27-2007, 11:11 AM
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Quote:
Originally Posted by motordavid
....
M'Cycles:
1987 Honda Hurricane 1000
1994 Honda Gold Wing Aspencade
1990 HD SotftTail Heritage
1975 HD Superglide ...all $97 each, except for the
old '75 HD Superglide which currently sits uninsured.
...
Man! That is a lot of bikes!. do you ride all of them regularly??
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  #8  
Old 02-27-2007, 12:28 PM
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Braggart
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  #9  
Old 02-27-2007, 12:36 PM
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Sounds like a great life so why are you a "GrouchyOl'Bastard"?
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  #10  
Old 02-27-2007, 01:03 PM
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Location: ID, and a world of my own
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Unfortunately, auto insurance may go down as age goes up, but it's more than offset by the increase in health insurance
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