[nfbwatlk] car insurance

Sat Jan 12 20:10:17 CST 2008

Hi,
The person who would most likely be driving the car pays around $200 with 
Gieco for his cars and they quoted $350 for me because I wouldn't be 
driving.  He was shocked at the difference in prices.

He would probably just drive the car around the block every now and then to 
make sure it is still running.  Then Lynden might drive it when she is 
visiting, which is once a year at most.

$350 for such minor use sounds too high to me, but several people have told 
me I would have to pay more because I wouldn't be driving, but they don't 
seem to explain why.

I have also been advised to just sell my old car because keeping it and 
insuring it might cost me more in the long run.  Lynden is old enough now 
that she could rent a car when she comes to visit.

I am trying to figure out which is the best thing to do since the car does 
still run.
Thanks
Lauren
----- Original Message ----- 
From: "Mike Freeman" <k7uij at panix.com>
To: "NFB of Washington Talk Mailing List" <nfbwatlk at nfbnet.org>
Sent: Saturday, January 12, 2008 5:52 PM
Subject: Re: [nfbwatlk] car insurance

>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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Checked by AVG Free Edition.
Version: 7.5.516 / Virus Database: 269.19.2/1221 - Release Date: 1/12/2008 
2:04 PM