Big increase for Insurance! Need Options
09-12-2018, 08:27 PM
#1
Drifting
Thread Starter
Big increase for Insurance! Need Options
My vette insurance was $400 yr when I bought my '13 GS now after my wife's 2 tickets & 2 at fault accidents with her Mercedes my cost just on my car has gone to $2450 yr. she doesn't drive the vette but because we live under the same roof she must be covered on it, BTW I have zero tickets or claims & drive about 2K miles a yr. so insurance cost more than a dollar a mile, I have checked with other companies but once they ask about tickets or accidents they say call back in 3 yrs when they are not figured into the quote for coverage, (Arizona) . Does anyone know of a company that will write separate policies even with my wife's bad record,or has been in my position & found another option, I'm afraid selling the vette might be the only way, and no I'm not divorcing her , although I have threatened her..
09-12-2018, 08:33 PM
#2
Race Director
Pro Mechanic
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try Adam Boca at the Corvette Museum and see if he can assist...…………. may have been better if you mentioned your current provider too
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Landru (09-13-2018)
09-12-2018, 09:01 PM
#4
Drifting
Thread Starter
why auto insurance when we have separate cars
09-12-2018, 09:10 PM
#5
Race Director
Progressive, but I'm certain that most if not all companies would of increased my rate at this point anyway, I'm not saying Progressive is a bad company just the insurance companies unwilling to insure married couples separately, we don't share the same FICO credit score so
why auto insurance when we have separate cars
why auto insurance when we have separate cars
Last edited by saplumr; 09-12-2018 at 09:11 PM.
09-12-2018, 09:11 PM
#6
Race Director
You're probably screwed honestly. U less you divorce, kick her out, or take away her license you're probably screwed unless you have another car as a DD, and can do a special collector policy on the vette.
09-12-2018, 09:22 PM
#7
Race Director
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2016 C6 of Year Finalist
09-12-2018, 09:47 PM
#9
Drifting
Thread Starter
I'm counting on a big $$ difference if I go to a small Nissan SUV or something similar but I will get an Insurance quote b4 buying anything, staying away from any high performance car would be the goal, I can't imagine what it would cost if I was 30 something
instead of 68 & retired
instead of 68 & retired
09-12-2018, 09:56 PM
#10
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2016 C6 of Year Finalist
I'm counting on a big $$ difference if I go to a small Nissan SUV or something similar but I will get an Insurance quote b4 buying anything, staying away from any high performance car would be the goal, I can't imagine what it would cost if I was 30 something
instead of 68 & retired
instead of 68 & retired
09-12-2018, 09:57 PM
#11
I’m not sure if it would be any different but you may want to try a specialized insurance company that does speciality/ Classic cars like hagerty. I’ve seen a few threads on different companies on here and seems like these companies are a lot more reasonable for insuring just the sports car compared to a State Farm, nationwide, etc.
Yeara ago ago I had a minor fender bender in NC and my insurance doubled so I know how you feel. Our insurance companies are the same way in NC where these things screw you for theee years.
Yeara ago ago I had a minor fender bender in NC and my insurance doubled so I know how you feel. Our insurance companies are the same way in NC where these things screw you for theee years.
09-12-2018, 10:01 PM
#12
Race Director
I’ve been married 43 years. I replace my wife’s vehicle usually every year to two years. She drives a Yukon Denali XL which is really to big for her. She constantly bangs the wheels on the bank drive thru. I hate it but deal with it. Not sure how I’d handle her wrecking twice plus speeding tickets. That would be a tough situation.
09-12-2018, 10:01 PM
#13
Melting Slicks
I'm counting on a big $$ difference if I go to a small Nissan SUV or something similar but I will get an Insurance quote b4 buying anything, staying away from any high performance car would be the goal, I can't imagine what it would cost if I was 30 something
instead of 68 & retired
instead of 68 & retired
09-12-2018, 10:04 PM
#14
Melting Slicks
Very simple. If you have kids just change the address on your drivers license to their address and get a new policy. (Assuming they have clean records.)
09-12-2018, 10:07 PM
#15
Race Director
09-12-2018, 10:07 PM
#16
Race Director
We own 3 vehicles, all with the same exact coverage; 2006 Corvette, 2013 Camaro 2SS/RS and a 2014 Traverse. The 2014 CUV is the one I pay the highest annual rates on, the cheapest is my Corvette at over half the cost per year. So, it's not just what type of vehicle, it's the year (i.e. how new it is) that also play a factor .. at least according the agent I talked to when I wanted to know why there was such a difference.
09-12-2018, 10:09 PM
#17
Team Owner
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My wife and I have separate policies, Travelers and NJM. There are not too many companies that will allow more than one policy per household.
09-12-2018, 10:12 PM
#18
Melting Slicks
How is that fraud? Your not allowed to live at two residences or have two addresses? You can use any address on your drivers license. **** I must have changed mine five times in the last ten years to suit my needs. No where does it say you have to live at the address on your drivers license.
09-12-2018, 10:26 PM
#19
Le Mans Master
How ridiculous...are you serious? So, are you going to lie about how many drivers in the family? They will ask for the names and license of all drivers...which will link to record, and you would be dropped like a rock. Even if you do succeed in the ruse, any accident will land you in jail for fraud.
09-12-2018, 10:27 PM
#20
Drifting
Thread Starter
Travelers huh ? didn't even think about them, could I get separate auto policies for Arizona ?..maybe...Think I will give them a call tomorrow, Thanks for the info