Simply stated, the multi-car /vehicle add-on discount emerges to those drivers who insure their vehicles (two or more) with one insurance provider. Those who insure their cars, vans, pickup trucks, mobile homes, snowmobiles, trailers, and campers with the exact same company have a discount of approximately 40 percent than others who insure their vehicles separately. The sole exception to this rule is the fact that motorcycles, mopeds, dune buggies, and motor scooters usually are not classified as private passenger vehicles but instead as separate entities and should be insured with their own individual policies without receiving the benefit of the 20 percent discount.
I stumbled upon these shocking conditions during my first years as an insurance agent and since then have devoted myself exclusively to enhancing the forgotten and bewildered auto insurance policyholder. For instance, one case I handled concerning a twenty-two-year-old mother who was simply paying $700 per year by being considered under twenty-five and unmarried. I was able to insure her for less.
I had another case in which a twenty-six- year-old married man was being billed for $980 a year simply because he’d received one minor moving violation throughout his entire driving lifetime. After reviewing his situation, I used to be able to reduce his premium in two!
Then there is the case of a senior citizen who were built with a perfect record but was relayed through additional hints his representative that his automobile insurance company was no longer working in The big apple. He was informed he had to be put in the assigned risk pool, that doubled his premium. I used to be able to rescue the indegent man from this fraudulent scheme and he regained his original rate.
Even though one is lucky not to be victimized such as the preceding cases, at any given time, and in a geographic area, even under identical circumstances along with identical coverages, the automobile insurance rates among insurance firms can vary tremendously. As an example, if you check around for auto quotes from companies A, B, C, and D, you will be shocked to discover that although company A’s rate is $800 a year, company B’s $650 and company C’s $750, while company D has got the lowest rate with only a $600-a-year premium.