Insurannce question full coverage on an Acura TL, only need liability on the Prelude

[holden j caufield]

it's like 600 for the TL and 200 for the prelude every 6 months. My question is since I have full coverage on the TL why exactly am I being charged liability insurance on the Prelude (I never drive it but was going to make it a project car). I mean if I drive any car like say a rental my liability insurance follows me.

If I have full coverage doesn't it overlap. Just feels like I'm being ripped off. I drive the prelude maybe 20 miles a month.

 

[RagingBITCH]

This is the stupidest question I think I've ever read.

 

[Vic]

Stop driving the Prelude, and then you won't need liability coverage on it.

 

[Arkaign]

That's $33.33/mo, if that's too much for you to justify, then drop it, and drive the Prelude much less, like > 1 mile a month. I've had project cars before, and found that if you only do your 'testing' in the immediate streets from your home, police will rarely bother you in the first place, and if they do, it's pretty easy to explain that you are working on fixing the car and not regularly driving it. On the chance that the cop is a DB and does write you a ticket, you can re-purchase liability insurance immediately, and have the ticket disposed of (with a small fee usually). There is almost always a 10 to 14-day period to get the insurance, appear in court, and get it dismissed.

 

[waffleironhead]

You insure the car, not the driver. Sucks, but that is the way it is.

 

[deadlyapp]

You insure EACH car.

 

[caspur]

Depends on the policy and how its written. A project car that has no plates/registration and is non-street legal isn't even insured by most "normal" policies. These cars are insured under specialty polices.

Rental are often covered under non-owned/temp subs. vehicles in your pol docs. Thas why your liab follows, but doesn't carry on owned veh. See your ins agrm for details.

 

[EMPshockwave82]

Put the prelude on leisure vehicle coverage or storage coverage. They usually just ask you to submit the mileage of the car each 6 months so they know you are not driving it enough to warrant higher insurance. Charges are right though. Insurance is for a vehicle not a driver.

Edit: How old are you and how did you not know that?

 

[holden j caufield]

never owned 2 cars. Some think it's a stupid question but my reasoning is 1 person can only drive 1 car at a time. If you get liability and own 10 cars why should you need liability for 10 cars. You'll only have 1 in motion at a time and 9 cars parked aren't going to damage anything from a liability stand point. Eh it's just that I think drivers are getting ripped off from insurance companies.

 

[EMPshockwave82]

Originally posted by: holden j caufield
never owned 2 cars. Some think it's a stupid question but my reasoning is 1 person can only drive 1 car at a time. If you get liability and own 10 cars why should you need liability for 10 cars. You'll only have 1 in motion at a time and 9 cars parked aren't going to damage anything from a liability stand point. Eh it's just that I think drivers are getting ripped off from insurance companies.

I think you are right in many cases that drivers are getting ripped off.

It may be easier to insure the person than the driver but an Acura TL is worth more than a Prelude. If you have a good driver in the Acura TL and a bad driver in the Prelude then who would have to pay more in insurance? I would think the good driver in the expensive car would probably pay just as much as the horrible driver in the cheap ass car.


There could be a formula developed that would take all of this into account but I don't know of any insurance companies that have done this yet.

A lot of factors go into the cost of insurance. Cost of vehicle, location, driving history of all drivers listed on vehicle, amount vehicle is driven and I'm sure quite a few others.

 

[Eli]

Cars are insured, not people.