Simply stated, the multi-car /vehicle add-on discount is offered to those drivers who insure all their vehicles (two or more) with one insurance carrier. Those who insure their cars, vans, pickup trucks, mobile homes, snowmobiles, trailers, and campers with similar company have a discount of around 40 percent than others who insure their vehicles separately. The only exception to this rule is the fact that motorcycles, mopeds, dune buggies, and motor scooters aren’t classified as private passenger vehicles but rather as separate entities and must be insured making use of their own individual policies without receiving the benefit of the Twenty percent discount.
I stumbled upon these shocking conditions during my first years as a possible 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 had been paying $700 per year by being considered under twenty-five and unmarried. I was able to insure her on the cheap.
I had another case in which a twenty-six- year-old married man was being billed for $980 annually simply because he’d received one minor moving violation in his entire driving lifetime. After reviewing his situation, I used to be able to reduce his premium in half!
Then there was clearly the case of a senior citizen who had a perfect record but was told by official statement his representative that his automobile insurance company was no longer doing business in Ny. He was informed he had to be placed in the assigned risk pool, which more than doubled his premium. I used to be able to rescue the indegent man using this fraudulent scheme and that he regained his original rate.
Even when one is fortunate enough not to be victimized as with the preceding cases, at any time, and in any given 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 look around for auto quotes from companies A, B, C, and D, you will end up shocked to discover that although company A’s rates are $800 a year, company B’s $650 and company C’s $750, while company D has the lowest rate with simply a $600-a-year premium.