Friday, January 23, 2015
The wonderful world of car insurance
We left my wife's car with my niece back in New Hampshire. She only had it a couple of days before it basically fell apart. She was able to get it back to my driveway so there it sits. We felt kinda bad for her, but we are glad she didn't get hurt when the car died.
I called the insurance company and asked about taking the insurance off it. Here's the weird part. They told me that if I took the insurance off the car my bill would go up. Say what? I'd lose my multi-car discount and it's actually cheaper to insure two cars than one. I was able to reduce the bill from full coverage to just comprehensive. Then I bumped the deductible up from $50 to $500. I am curious to see how that will shake out.
My van only has liability insurance. I didn't even want them to try and figure out how to cover damage on a former ambulance converted to a camper van. Last year I rear ended a car with my van and the insurance company paid the claim. My insurance bill never went up, so that was good.
The van insurance is pretty cheap as it's classified as a motor home. Most folks don't use their motor home as a their daily driver, so rates are low. They figure on someone like me who runs their vehicle on waste veggie oil. The “motor home” is actually slightly shorter than my old Ford F250 extended cab was.
Eventually I'm going to have my wife's car hauled away for scrap. Unless we buy a second car, my insurance will go up. I wonder what would happen if I got rid of all my vehicles? No doubt my house insurance would go up as I currently get a good discount from having both vehicle and house insurance with the same company.
Apparently my insurance company polices are designed for normal people: folks with a house and two cars.