Seeking Insurance > 4 Vehicles per Policy

[cpayne5]

Does anyone know of an insurance provider that does not limit the number of vehicles per policy to four? I currently have two policies for my vehicles, and with those two policies, lose much of the financial benefit of having multiple vehicles on a policy.

Thanks.

 

[eljefino]

I'm curious too. I wiffle waffle between 3 and 5. If I had 4+ I'd have 2x policies with 2 cars so I get the multi car and multi policy discount.

Ask about "any owned vehicle" insurance tied to your license like a SR22 but not a penalty style.

 

[JHZR2]

Must be a state or company thing. Ive had four or more vehicles on my policy before, no issues. In fact, they start to give a but more discount because of the reality that one can't possibly drive that many vehicles at once.

I would really prefer that an option exust where one insured themself, instead of on a vehicle-by-vehicle basis.

 

[cpayne5]

Originally Posted By: JHZR2
Must be a state or company thing. Ive had four or more vehicles on my policy before, no issues. In fact, they start to give a but more discount because of the reality that one can't possibly drive that many vehicles at once.

I would really prefer that an option exust where one insured themself, instead of on a vehicle-by-vehicle basis.


Yes, it could very well be how the providers operate in Virginia. May I ask who your provider was when you had >4 on a policy?

 

[Nyati]

I've got 5 vehicles on my policy right now. I've never heard of the 4 limit. I have USAA if that matters.

 

[Phishin]

I got 7 vehicles on mine right now. State Farm

3 cars/truck in my signature
3 motorcycles
1 boat

 

[stockrex]

I have been told I have too many vehicles on my policy if I buy anymore I have to provide proof of title that I own it. I have been actually dinged for having too many vehicles and they raised my rates because this it is more a risky to have different vehicles.

 

[99Saturn]

I might be misunderstanding the situation, but I'm pretty sure State Farm sets it up so that you have a different policy for each vehicle, and multi-line discount would extend to each policy. I don't have over 4 so I don't have direct experience. Worth a call to check at least.

 

[Tdbo]

I have 4 vehicles on my policy presently, but have had 5 before.
Never any questions or problems, plus they give me additional discounts on 2 of them because of the fact that my wife and myself cannot drive all 4 at once plus the Mustang gets another price break because it is not driven in the winter. We are with Erie, if that company is available to you.

 

[eljefino]

Originally Posted By: stockrex
I have been told I have too many vehicles on my policy if I buy anymore I have to provide proof of title that I own it. I have been actually dinged for having too many vehicles and they raised my rates because this it is more a risky to have different vehicles.


I figure they figure you're acting as a shill to register and insure cars for others who have multiple OUIs etc. Watching "COPS" there seem to be lots of ghetto dwellers driving their "girlfriend's cousins car".

 

[opus1]

Originally Posted By: 99Saturn
I might be misunderstanding the situation, but I'm pretty sure State Farm sets it up so that you have a different policy for each vehicle, and multi-line discount would extend to each policy. I don't have over 4 so I don't have direct experience. Worth a call to check at least.
This.

Each vehicle in my fleet has a unique policy number, different renewal dates, etc., but I get a multicar discount on all 4 policies.

 

[paulo57509]

I currently have 5 vehicles on my policy with Ameriprise (Costco). Two have full coverage and the rest are liability only.

My premiums are around $160/mo.