[nfbwatlk] car insurance

Sat Jan 12 19:52:39 CST 2008

I think you can legitimately argue that the insurance rate should be 
based upon that of the driver you will use and that just because *you* 
aren't driving, you shouldn't be charged a higher rate. However, you 
aren't going to win trying to argue with an insurance company about 
insuring your car if you can't specify who will drive it. For in 
addition to being based upon how easy/popular the car is to steal, how 
high-performance it is and so on, insurance rates are principally based 
upon the age, health and driving record of the person who will 
predominantly drive the vehicle. And this makes sense from the point of 
view of the insurance company because they're the one taking the risk. 
You're paying them to take that risk.

Mike

  ----- Original Message ----- 
  From: Lauren Merryfield
  To: NFB of Washington Talk Mailing List
  Sent: Saturday, January 12, 2008 4:42 PM
  Subject: Re: [nfbwatlk] car insurance

  Hi,
  The problems are that more than one person could end up driving my 
car, and
  they want me to pay a higher premium because I am not the driver.
  Thanks
  Lauren
  ----- Original Message ----- 
  From: "Robert Sellers" <robertsellers500 at comcast.net>
  To: "'NFB of Washington Talk Mailing List'" <nfbwatlk at nfbnet.org>
  Sent: Saturday, January 12, 2008 10:15 AM
  Subject: Re: [nfbwatlk] car insurance

  >
  >
  > Lauren,
  >
  > By now, I'm sure you have had many responses to this post. Insurance
  > companies want to insure the person who will be driving the vehicle. 
I
  > was
  > in the  same situation when I tried to purchase insurance on my van. 
I had
  > to insure  the person who would be driving. When I sat back and 
thought
  > about it, it made sense.
  >
  >
  >
  > -----Original Message-----
  > From: nfbwatlk-bounces at nfbnet.org 
[mailto:nfbwatlk-bounces at nfbnet.org] On
  > Behalf Of Lauren Merryfield
  > Sent: Sunday, January 06, 2008 8:26 PM
  > To: NFB of Washington Talk Mailing List
  > Subject: [nfbwatlk] car insurance
  >
  > Hi,
  > I tried to get a policy on my car with Gieco and I would have to pay 
extra
  > since I am not the one driving.  They really wanted the car put 
under the
  > policy of the one who would be driving.  How do I get my own policy 
and
  > not
  > have to pay more?
  > Thanks
  > Lauren
  > "I like what Mark Twain said,  "A fellow who picks a cat up by the 
tail
  > gets
  > a hundred times as much information as one who's never done it."
  > CATLINES has moved to a blog at:
  > bizcats.blogs.com/catlines/
  > Visit us at our catly site:
  > www.catliness.com
  >
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12/31/2007
  > 12:00 AM
  >
  >
  >
  > No virus found in this outgoing message.
  > Checked by AVG Free Edition.
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1/11/2008
  > 10:19 AM
  >
  >
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  >

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-------------- next part --------------
I think you can legitimately argue that the insurance rate should be based upon that of the driver you will use and that just because *you* aren't driving, you shouldn't be charged a higher rate. However, you aren't going to win trying to argue with an insurance company about insuring your car if you can't specify who will drive it. For in addition to being based upon how easy/popular the car is to steal, how high-performance it is and so on, insurance rates are principally based upon the age, health and driving record of the person who will predominantly drive the vehicle. And this makes sense from the point of view of the insurance company because they're the one taking the risk. You're paying them to take that risk.

Mike

----- Original Message -----
From:
mailto:lauren1 at catliness.com Lauren Merryfield
To:
mailto:nfbwatlk at nfbnet.org NFB of Washington Talk Mailing List
Sent:
Saturday, January 12, 2008 4:42 PM
Subject:
Re: [nfbwatlk] car insurance
Hi,
The problems are that more than one person could end up driving my car, and
they want me to pay a higher premium because I am not the driver.
Thanks
Lauren
----- Original Message -----
From: "Robert Sellers" < mailto:robertsellers500 at comcast.net robertsellers500 at comcast.net
>
To: "'NFB of Washington Talk Mailing List'" < mailto:nfbwatlk at nfbnet.org nfbwatlk at nfbnet.org
>
Sent: Saturday, January 12, 2008 10:15 AM
Subject: Re: [nfbwatlk] car insurance
>
>
> Lauren,
>
> By now, I'm sure you have had many responses to this post. Insurance
> companies want to insure the person who will be driving the vehicle.  I
> was
> in the  same situation when I tried to purchase insurance on my van. I had
> to insure  the person who would be driving. When I sat back and thought
> about it, it made sense.
>
>
>
> -----Original Message-----
> From: mailto:nfbwatlk-bounces at nfbnet.org nfbwatlk-bounces at nfbnet.org
[mailto:nfbwatlk-bounces at nfbnet.org] On
> Behalf Of Lauren Merryfield
> Sent: Sunday, January 06, 2008 8:26 PM
> To: NFB of Washington Talk Mailing List
> Subject: [nfbwatlk] car insurance
>
> Hi,
> I tried to get a policy on my car with Gieco and I would have to pay extra
> since I am not the one driving.  They really wanted the car put under the
> policy of the one who would be driving.  How do I get my own policy and
> not
> have to pay more?
> Thanks
> Lauren
> "I like what Mark Twain said,  "A fellow who picks a cat up by the tail
> gets
> a hundred times as much information as one who's never done it."
> CATLINES has moved to a blog at:
> bizcats.blogs.com/catlines/
> Visit us at our catly site:
> http://www.catliness.com www.catliness.com
>
> Internal Virus Database is out-of-date.
> Checked by AVG Free Edition.
> Version: 7.5.503 / Virus Database: 269.17.13 - Release Date: 12/31/2007
> 12:00 AM
>
>
>
> No virus found in this outgoing message.
> Checked by AVG Free Edition.
> Version: 7.5.516 / Virus Database: 269.19.1/1219 - Release Date: 1/11/2008
> 10:19 AM
>
>
> _______________________________________________
> nfbwatlk mailing list
> mailto:nfbwatlk at nfbnet.org nfbwatlk at nfbnet.org
> http://www.nfbnet.org/mailman/listinfo/nfbwatlk http://www.nfbnet.org/mailman/listinfo/nfbwatlk
>
>
>
> --
> No virus found in this incoming message.
> Checked by AVG Free Edition.
> Version: 7.5.516 / Virus Database: 269.19.2/1221 - Release Date: 1/12/2008
> 2:04 PM
>
>
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