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Help with insurance
My current insurance company (AIG) wants as much money to insure my truck as my svx.
The SVX is driven daily. The truck is driven once every two months MAYBE to the lumber store. Less than 100 miles a year for sure. This ticks me off to no end because it makes no sense what-so-ever. I can only drive one vehicle at a time. So what can be done here? People with sports cars that drive them only on sunny days......what do you do? Pay insurance year round? And on top of it all the representative told me that if I cancel the insurance on the truck that he would have to notify the DMV and they could revoke my license. For owning an uninsured vehicle that I don't drive????(won't drive if it is uninsured) So any suggestions?????
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ASE Master and L1 cert. Discounted Repairs I feel a lot more like I do now then I did before. 92 SVX 5spd, (sold),92 SVX Teal, 67 Mustang 351C 5spd, 00 Galant. |
#2
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Hmm.... would you be able to get seasonal plates? Here in Germany you can register your car for just a few months, for example from April to September. The plate has embossed on it the months that the registration is valid, and then you only pay insurance for those months. Many people with convertibles or motorcycles do that here.
A friend of mine has two cars - a nice one for summer and an old beater for winter. They are registered with seasonal plates so that in the end he always has only one car on the road. (and only pays insurance for one car at a time without overlapping.) I have no clue if Oregon allows such a thing, but it doesn't hurt to ask. The trick lies in registration. If your car is registered for year-round, then it must be insured for the whole year. |
#3
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-Jason (8/23/07-Present) 1995 Subaru SVX LSi (197k) Polo Green (#1102) 03/95 Mods: DDM Tuning 4500k 35w Low Beam HID, 100w H3 Bulbs, Extra Ground Cables, 15 minute $12.96 mod, svxfiles designed transmission mount (), sporting a "new" tail light bar, silver BBS rims, custom power steering cooler (one that doesn't dump ATF constantly), new negative lead cable, no more third or fourth gear (1977-Present) 1977 Chevrolet Corvette (81k) Silver (12/01/2011-Present) 2005 Subaru Outback 2.5i Limited 5MT (97k) I have a bad feeling about this. -Obi Wan Kenobi |
#4
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My insurance company is able to put my cars into a "off road" status where the insurance premiums are reduced 50%. I just did this with my SVX while it was parked for a few months waiting for an engine and trans. The car was still registered, and it was still insured. But I agreed not to drive it without notifying them that it was back "On Road".
When I first went to their office to drop the insurance since I was expecting the car to sit for a while, they told me that I couldn't drop the Insurance without showing proff that the registration was also dropped. Rather than cancel and then have to re-register, I went with the other option that they suggested.
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Dave - 03 Baja - 92 SVX - 86 Brat - 08 OB 3.0 |
#5
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I do something similar with my SVX. Since I only drive it in the summer these days, I take liability and collision off it, leaving just comprehensive. That way, if the garage collapses, the car is covered.
I just have to all them up and tell them I'm storing the car for awhile. When I want to drive it, I call them up and reinstate the liability and collision, effective that day.
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2005 RX-8 Grand Touring 2005 Outback 2002 Mercedes-Benz E320 wagon END OF LINE |
#6
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I thought I would pull a fast one when my SVX got totaled. I had personalized tags, and since a totaled car is un-insurable, I was suppose to turn them in. I didn't want to give them up.....and....
I didn't. Waited it out until I could get the car back up and inspected. Rebuilt it, did the inspections, put insurance back on it, and hit the road to the DMV. I was informed there that I went over 90 days without insurance, my tags were revoked, and I was a DMV outlaw. Cost me an extra $250 to pay off my "outlaw" DMV status, and I still lost the tags. The bad part is, I would have lost them regardless unless I could keep the car insured.... Which of course, I couldn't.
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Robert Is Bush in jail yet? (Looks frantically at watch, then back up) How about now? Now? Come onnnnnn...... Someone freeze me until January, this wait is killing me. Update: 09 January, and still not in jail! Wassup?? 1992 Teal LS-L - 160k (Now new and improved with perfect paint!) |
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#8
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When I switched insurance companies it wasn't 2 weeks before I got a letter from the DMV informing me my registration was being revoked unless I provided proof of insurance. Was able to do that on-line.
When I did the title transfer on my '64 Ford project truck, they said I had to register it which, in turn, required insuring it. After explaining that it was going thru a year + rebuild (now going on 2) they said they had a title classification that says you own it but can't take it on the road. No insurance required. Will switch it over when I'm ready. Gene
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Gene and Ben 1992 SVX LS AWD 110K - Liquid Silver 1994 SVX LSi AWD 128K - White Pearl (daily driver) 1994 SVX LSi AWD 95K - Emerald Pearl (sold) 1992 SVX LS-L AWD 115K - Dark Teal 4.44 swap (sold) |
#9
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I am calling around to insurance companies today. If I can't find anything I will be selling the SVX since I MUST have a truck. It seems to me that someone should have a policy for this case.
I have a friend that has 4 vehicles. I will ask him what he does. It seems insane to pay the same amount for a vehicle that is parked most of its life as one that is driven daily. The DRIVER should be insured not the car. somehow this comes down to one word.....profit.
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ASE Master and L1 cert. Discounted Repairs I feel a lot more like I do now then I did before. 92 SVX 5spd, (sold),92 SVX Teal, 67 Mustang 351C 5spd, 00 Galant. |
#10
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do what my friends with 15 some odd cars do... dont insure a single one of them! why? because with todays living expencises who can afford insurance... i cant... with my driving record last time i got a quote it was $2,700 that was after the good student discount! luckly i share the same name as my dad so insureance is more like 400 dollars ever 6 months
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- John ASE certified Master Tech W/ X1 Twin City Fleet repair, St. Paul, MN need work done? Have tools will travel
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. Earl .... ... .... ><SVX(*> Subaru Ambassador [COLOR=”silver”]1992 Tri Color L[/COLOR] ~45K (06/91) #2430 1992 Dark Teal LS-L ~184K (05/91) #0739 1992 Claret LS-L ~196K (05/91) #0831 1992 Pearl LS-L ~103K (06/91) #1680 1992 Pearl LS-L ~151K (06/91) #2229 1992 Dark Teal LS ~150K (07/91) #3098 (parts car) 1992 White LS-L ~139K (08/92) #6913 1993 25th AE ~98K (02/93) #164 1993 25th AE ~58K (02/93) #176 1993 25th AE ~107K (02/93) #215 1993 25th AE ~162K (02/93) #223 1994 Laguna Blue Pearl LSi ~124K (1/94) #2408 1994 Laguna Blue Pearl LSi ~144K (10/93) #1484 1994 Laguna Blue Pearl LSi ~68K (10/93) #1525 1994 Barcelona Red LSi ~46K (02/94) #2624 1994 Pearl LSi ~41K (12/93) #1961 1995 Bordeaux Pearl LSi ~70K (02/95) #855 1996 Polo Green LSi ~95K (03/96) #872 1997 Bordeaux Pearl LSi ~55K (08/96) #097 2003 Brilliant Red LS1 Convertible ~29K (04/03) #8951 1999 Magnetic Red LS1 Coupe ~33K (04/99) #6420 My Email | Old Locker | New Locker | Picture of 15 of the 19 |
#14
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ASE Master and L1 cert. Discounted Repairs I feel a lot more like I do now then I did before. 92 SVX 5spd, (sold),92 SVX Teal, 67 Mustang 351C 5spd, 00 Galant. |
#15
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I will call Farmers. I knew there was something like this available. AIG flatly denied that there was even such a policy. Earl, Can this be done on a day by day basis?
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ASE Master and L1 cert. Discounted Repairs I feel a lot more like I do now then I did before. 92 SVX 5spd, (sold),92 SVX Teal, 67 Mustang 351C 5spd, 00 Galant. |
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