$620 a year, two vehicles. Liability only - so I'm self insuring you might say. Still too high.
It's liability insurance against me causing an accident, not the car. As I can only drive one at a time, I see no reason for more than 1 liability policy - on me. Comprehensive would of course be per car as parked cars can be involved in accidents - they just don't cause them. If my parked car rolls away it's still my fault for not setting the parking brake, or not keeping the car maintained, not the car's, so a liability policy on me still applies. If it starts on fire my homeowner's insurance covers the structure and the liability on the car pays nothing. If it starts on fire at someone else's place then that's the car I have in service and my portable liability policy on me would apply.
But the insurance agent doesn't see it that way and he's got the men with guns (the state) on his side so I write the check and just bitch about it on ATOT and to anyone else who will listen 🙂
